I obtained a second mortgage from XXXX XXXX  in XXXX and in XXXX the mortgage was charged off. I stopped making monthly payment since the account was charged off. 
I continued making payment on the first mortgage which I modified and current with my payment. But lately, XXXX, XXXX XXXX  who had not contacted me since XXXX when the mortgaged was charged off contacted me and demanded payment. 
I returned the call and the rep told me on the phone that it is a charged off account. 
i had a XXXX which Iam still under treatment and recovery program. 
My complaint is, since, the account was charged off by the bank in the year XXXX which is eight years ago, I am no longer in-debited for repayment. 
I want to know my rights and what can be done to resolve this matter. 
As of now, my income is limited. I will appreciate a favorable referral and resolution.