If your mother declares bankruptcy 10 years ago and received a discharge where the lender secured by the second mortgage on the home was named as a creditor and the debt was discharged in the proceedings, she does not owe on the debt particularly since she has made no payments on the second loan for many years.The problem arises due to the second recorded lien remaining on the property if the bankruptcy court did not issue an order discharging the line and the order was recorded on the property that you are writing about. This remainining lien may impede a sale of the property to a willing buyer.I suggest that your mother consult with an attorney who practices real estate and bankruptcy law with respect to how the second lien on the property can be removed from title of your mother's home assuming it can despite the fact that any claim for payment on the loan may have been discharged in the bankruptcy and if not, time barred by your state's statute of limitations as a debt personally owed by your mother.