Loan Mod on 2nd mortgage, after BK?

[Mike]

Hi therejust got off phone with B of A. They hold our second mortgage (HELOC). We're about 4 months behind, BUT we're current with our first mortgage. This is on our primary home. We had rec'd numerous correspondences from B of A indicating we might be eligible for a Loan Mod. I sent them the info long ago. In early June we filed BK (due to several investment homes in foreclosure). B of A states that they will not modify loan due to the BK being filed. Is this general practice with all companies? We do plan (at least for now) to remain in this home. Also if we're current on our first mortgage, how easy is it for B of A to attempt to foreclose? I will hopefully be able to begin paying the 2nd this month, altho was hoping perhaps terms might be modified. Even so I wont be able to "catch up" on all missed payments. Will they still be able to attempt to foreclose if I'm making payments (but still have the 4 months of missed payments?) Thx for any infoLeigh