Hello, thank you! You are so helpful to so many, I read many of your responses to other posts and learned a lot.
We had a home second mortgage with a credit Union but after three times we filled out their forms asking to reduce or reform the monthly payment and they always "lost it" and we stopped paying when I got sick and lost my income. The debt was sold to CU Recovery and they were very strong at the beginning, 8 years ago. In 2005 Hubby had a cancer so payment was difficult and CU Recovery made an agreement with us, for $20 a month, based on our nonexistent income. Today they called and spoke to me as if they were still some kind of representatives of Fairwinds saying things like "Fairwinds now decided they are not going to wait anymore and they decided to do a foreclosure"; "Fairwinds lend you the money altogether now they want it all together back so you need to make a second mortage to pay them because your house has some good equity...". I even responded: “tell Fairwinds that we always paid on time and they were too greedy to work with us, when we got sick and couldn’t pay them anymore. Now we have paid on time based on the last agreement and we always want to pay and comply with our side of the agreement, but tell Fairwinds we cannot afford to get a second mortgage etc.. I played the game of "Fairwinds" knowing it was them.
My question, besides knowing he is wrong kind of "impersonating" that he works for the bank directly, is to know if they do have the right to start a foreclosure in our home knowing they are a collection agency? I read they are a bank too? Do they obtain this right when they get the debt from Fairwinds? Is this possible or not?.
Also, can they push us to obtain a mortgage to pay themselves? (this was really weird ... ), He insisted our house was valued for a super high amount of money and we had it almost paid off so if we didn't want to get it foreclosed we better get that second mortgage, to the point he offered to get me some banks that could give us that loan. I told him that if he was able to get a bank that would receive $20 monthly as the payment we might have a conversation with them 
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They have doubled the debt and it has been 8 years, we pay every month no fault the $20 agreed, what else can we do?
Best regards, deeply appreciate any time and information you can provide to us.
Maria J. Rodríguez.