2nd mortgage

My husband and I took out a 2nd mortgage 16 years ago we later split up. I am disabled and unable to worl so the Social Security paid the interest on the 2nd mortgage until the 15 year term ended last year. I have had a letter from the company asking me to meake payments of #40 per month which in panic I agreed to but I cannot afford this at all. I have paid twice in 10 months, the last time being in April. They have since sent me 2 letters saying I must pay and that I owe them #18,000. I just cannot pay this what can they do now.

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