Foreclosure Concerns-1st Mortgage is Perfect-2nd is in default....interesting situatiuon?

I didn't realize that my 2nd mortgage was not included in the Chpt 13 Bankruptcy filed 3 yrs ago. It was a stupid mistake on my part and I am going through a horrible situation because of it now. I haven't heard from the mortage company since before the bankruptcy, 3 yrs ago, and had no reason not to think the loan ws not included, until out of the blue, I receive a phone call last week, demanding the balance in full. Imagine my surprise! I made a terrible mistake! I would have never let this happend had I realized. Anyway...regardless of that, I am left with a loan, with a major delinquency. It is in default and considered a delinquent mortgage. The loan is 35,000 , originally 27,500. and growing by the minute! I don't know what to do! I don't have the money anywhere, we are trying to rebuild credit, there are no alternatives for me that I can see. Can someone help me? Im so confused and absolutely scared to death. My 1st mortgage is in perfect standing. I welcome all comments!