Will my second homeq mortgage foreclose or write off my loan for delinquency?

My first loan is for 369k and my second loan is 91k. My first loan modified and I am now current with it. The second loan seems reluctant to modify and it has a 12.5 interest rate with a 900 dollar monthly mortgage. I missed 10 months payment but will be able to make a payment of 500 dollars per month from next month. What should I do? What do you think they will do? the house has no equity. They keep asking for a payment of 912 dollars which i cannot afford.

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