<prompt> Human: House foreclosed in July 2010. The first mortgage was satisfied NC is a no-recourse state and went away. The second mortgage continues to bill as if nothing has happened. I wrote them once and pointed out that the house was foreclosed and they wrote back saying that second mortgages just convert to an unsecured loan, and they intend to collect. I guess they were serious about collecting, because Im now 2,696 days delinquent: Shouldnt they have given up by now? I last paid them October 2009. It seems like any sane lender would have sent this to collections already.Both mortgages were from shady sub-prime lenders, and I wonder if theyre deliberately not sending this to collections to make their numbers look better; I imagine they had a LOT of delinquent mortgages after 2008.Can they just continue to bill until I die? Seems like a waste of paper.  <response>: I see some good news here, there is no repayment penalty. LOL 