# What reason does 2nd lender have to not accept short sale after a bankruptcy? **URL:** \ **Category:** Residential Realtors\ **Created:** [June 7, 2012, 4:38pm UTC](https://community.propertyradar.com/t/what-reason-does-2nd-lender-have-to-not-accept-short-sale-after-a-bankruptcy/1014 "2012-06-07T16:38:48Z")\ **Posts on this page:** 2\ **Page:** 1
**Author:** ![Sheryl](https://avatars.discourse-cdn.com/v4/letter/s/ce7236/32.png) [@Sheryl](https://community.propertyradar.com/u/Sheryl)\ **Post date:** [June 7, 2012, 4:38pm UTC](https://community.propertyradar.com/t/what-reason-does-2nd-lender-have-to-not-accept-short-sale-after-a-bankruptcy/1014/1 "2012-06-07T16:38:48Z")
My client has a 2nd with Real Time Resolutions (RTR). My client has not made a payment in 3 years and had a discharge through BK in 2011. The 1st agreed to a short sale but Real Time Resolutions will not agree to the short sale unless the 1st gives them $22K (The debt is over $100K). The alternative is the 1st forecloses leaving the 2nd with $0 and no right of defiency due to the protection of bankruptcy, as I understand it. What reason am I overlooking for RTR to take a position like this? I’d like to save this homeowner from foreclosure if I can. ---
**Author:** ![Michelle](https://avatars.discourse-cdn.com/v4/letter/m/6de8d8/32.png) [@Michelle](https://community.propertyradar.com/u/Michelle)\ **Post date:** [June 11, 2012, 8:25pm UTC](https://community.propertyradar.com/t/what-reason-does-2nd-lender-have-to-not-accept-short-sale-after-a-bankruptcy/1014/2 "2012-06-11T20:25:10Z")
HI Sheryl, It sounds like they are simply trying to get whatever they can. The BK has already wiped them out and this is the only “leverage” they have to collect anything. I would ask the question in a different way. Why would they agree to a short sale when they are getting nothing either way? Maybe they are willing to settle for a little less that 22k? My guess is that they will want something and will not do it for free.