<prompt> Human: Last year my wife and I were able to sell our house way under water and Wells Fargo agreed to the short sale. Everything seemed good till last week when we received a letter from the banks attorney to process judgement for delinquency on the second mortgage. Apparently you can only get the first mortgage waived under a short sale but our attorney said there was little chance they would try to collect on the second since we dont have the money to pay them. So here we are with the judgement started for nearly 100k and not enough to pay it. Another attorney said to see if the bank will take what we can offer. If not, we will have to file for bankruptcy. The whole reason for the short sale is that we didnt have the funds, and now they are trying to collect more... I just dont get it. All I have to offer is around 5k. Do you think they would take it instead of continuing with the judgement? If they dont take our offer, they will get nothing...Any other advice on how to deal with this? I really want to avoid declaring bankruptcy but I dont see what else to do...Thank you in advance for any tips!  <response>: If youve already consulted with an attorney about the matter, it probably isnt a good idea to take the advice of random people on the internet. Follow their advice. 