We had a borrower abandon a property after being discharged through bankruptcy. We foreclosed subject to a senior lien. We have been unable to get a payoff from the first and they are stating we need authorization from the borrower. Is there any requirement for them to provide a payoff?

You are dealing with a discharged bankruptcy and abandoned property. You need to get your legal counsel involved.

Check your state regulations. In my state you either need to have the borrower's signature authorizing the release of information or send a notice to the borrower at the same time you are requesting the payoff information from the senior lienholder.