2nd mortgage charge off not on credit report

i accomplished my 1st mortgage modification in june (paying on a bal that is $200K more than the value of the home on a 50 yr loan.) The 2nd mortgage charge off of $60K for some reason does not show anywhere on my credit report, i have not heard from the 2nd mortgage CA since april. i don't think its wise to use my only emergency fund to settle this. should i just "let sleeping dogs lie?"

a related factor is that i have a credit card bal of $18K fixed at 4% with the same lender. of course i'd like to clear these debts and improve a 640 credit score. but i don't know what is the best course of action or what type of counselor to consult. i need the bit of good credit that i have and the one good credit card i still have for my business (again with the same lender!) to operate my design business. even if i were to ask that bank to take back the 2nd m charge off and settle both that and the large personal credit card balance, i might have nothing left for emergencies...which i desperately need in my line of business.

thanks for any advice!