My former residential property was inPA. The bank in Second position was actually the primary lenderFlagstar. The bank in first was the Heloc lender PNC. Flagstar foreclosed and took property, refusing Shortsale. I had a buyer for 80k. Owed 115k on primary and 71k on Heloc. House has not been sold. Now PNC is demanding payment. When we lost the house it was a primary residence. We now live in NY. Flagstar did not coordinate with PNC, the first position lender. I have no assets but do not want personal bankruptcy.