Anyone successfully using the amortization of principal borrowers underwater?

Here is a house with a jumbo loan Situation.Das was purchased several years ago, with a second mortgage as well, 90% of the total value of the house then. Now the value of the home 20% less than it was two years ago. In fact, the loan to value 112%. There is also a significant limitation of Einkommen.War anyone managed to convince their lenders take impairment substantial? What part of the second mortgage is important in writing? What is the interest rate for the remainder of the second mortgage? I do not ask you to judge wants to know the rules of a hypothetical case