Where do you go for help when a mortgage has been paid off, the bank and title company no longer exist, and the bank was taken off of MERS in 2007??

Homeowners took out a 1st mtg and HELOC in March, 2007.  In July, they refinanced the HELOC to increase the line from $39,000 to $63,000 with the same bank, Nationwide Lending.  Homeowner doesn't have the refi HUD to show 1st HELOC was paid off.  We are ready to close, but can't until I can clear this lien.  Anyone have a MERS Ph # with a Human attached to it?

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