Citibank Mortgage Complaint

Citibank Mortgage department,

Conventional fixed mortgage Credit decision / Underwriting Ohio

We filed bankruptcy and it was discharged in 2014, our mortgage company forgave the debt on our second mortgage but did not remove the lien and then it seems like they sold our debt to a collection agency. We can not refinance our - mortgage because there is an additional lien on our house. When we contact the people who now own our lien they insist that we go into a repayment program for 5 years. We feel if they forgive the debt they should remove the lien! We did n't receive any documentation and did n't even know that they were forgiving the debt. We are grateful that they did but, if they do n't remove the lien then they really did n't do anything, we still have a - and - lien and ca n't refinance anything!