Depending on the value of your Home and the amounts you owe on your 1st Mortgage, it may be possible to Discharge your 2nd Mortgage in a Chapter 13 Bankruptcy Case. For example, if your home is worth $90,000.00 and you owe more than $90,000.00 on your First Mortgage, you can avoid your Second Mortgage and, provided you complete your Chapter 13 Plan, you will never again be required to make the Second Mortgage Payment. To understand how amazing this Chapter 13 Benefit is, just multiply the number of months left on your Second Mortgage by the amount of the monthly payment. The same benefit applies to any additional subordinate mortgages you may have. This is a complex process and will be further explained at your Free Initial Consultation.