My home is in foreclosure. My foreclosure atty. requested a mediation with the mortgage co in Sept. 2010. To date nothing has been done. No mediation, no response. Recently, I settled with my insurance company for a sink hole claim. It is about enough to cover what the value of the home is with a sinkhole and the market decline. Can I use this settlement as a negotiating tool with the mortgage co if they will mediate? Also, there is a 2nd mortgage from another lender that is a charge off to the bank. Can they still come after me for that?