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Foreclosure Free, (Per Statute) as 5-Year Clock Expires What is the statute of limitations on a second mortgage and when does the clock start? The first mortgage with Chase foreclosed in 12/12 the second also with Chase was then charged off in Jan 2013. The first agreed to waive deficiency by agreeing to foreclosure. The second has not received any payment since 01/2008, they have just contacted me about a settlement, has the sol been satisfied.
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