We had 1st and 2nd mortgages with GMAC/ DITECH. We had a loan modification 03/07 and the 2nd mortgage went into a charge off status 04/07. We have been current on our 1st mortgage for 24 months. We received foreclosure notices from a mortgage company we have never heard if stating we were in default and they were foreclosing .Can a mortgage company buy a mortgage that is in charge off status? If so can they foreclose on us after 24 months, even though we have been current with our loan modification plan?. How can I check to see if this is for real or just a debt collection company trying to collect a bad debt. I notified the recovery dept. and they haven't even got our loan account listed.