You can try to find out if the collection agency or the second mortgage company sued you or if they are simply trying to collect right now. Contact your first mortgage lender and see if your first mortgage lender can give you a HAMP application (loan modification). Stay vigilent and make sure you fill everything out, give all relevant and timely documentation and make sure you do it quickly. If you do not get information or responses back, make sure you file a complaint with your state's department of financial institutions. Additionally, see if you can indeed modify your second loan or work on a simple repayment plan structured to help you during this time.