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A chapter thirteen can help you strip the 2nd mortgage loan lien if the balance within the 1st mortgage loan is large more than enough, which it doesn’t audio like it's, or it could allow you to pay off the 2nd about a five calendar year interval. That would be a reasonably rough payment to generate but when its only for five many years, then the 2nd could be paid out off and gone in 5 years. Appears like you'll want to take the refi around the 1st and work on a personal loan modification about the 2nd mortgage, by which case simply call Tony Sobak to check with in regards to the mortgage modification to the 2nd.
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Any time you file a chapter 7 bankruptcy you discharge the promissory Notice not the deed of rely on. So the financial loan is discharged but you still contain the lien on your house and as a consequence, Indeed, at some point you should settle that lien. Do you already have a real estate agent to market the property?
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