This is appropriate only if the value of your home is less than the balance on your first mortgage.
If we are able to prove to the court that the value of your home is less than the balance on your first mortgage, we may be able to obtain an Order that states that your second mortgage, line of credit, HELOC, or past due homeowner’s association dues will be discharged as unsecured debt once all of the Chapter 13 Plan payments are completed.
I would be happy to speak to you on the phone about your particular situation and meet with you in person as well. If you would like to speak to me right away, please email me at [email protected] with your phone number. You can also send me an email through the contact feature on the home page of my website. I usually will be able to speak to you right away.