NPR's investigations team has been doing stories about what are called zombie second mortgages. These are loans taken out 20 years ago that homeowners thought were dead and gone. Often homeowners say they were told by their mortgage lender that the loans were resolved or forgiven through a loan modification. But then the loans rise from the grave when companies try to collect or foreclose. Some companies are allegedly breaking state and federal rules trying to collect on these old loans.

If you are going through this or have been affected by it, NPR wants to hear from you!

Sharing your experience by filling out the survey below will help us understand the scope of the problem and what homeowners are going through.

We may reach out to you to find out more about your experience and ask if you'd be willing to do an interview.

Your submission will be governed by our general Terms of Use and Privacy Policy.

Copyright 2024 NPR