{"id":5114,"date":"2012-02-09T09:00:26","date_gmt":"2012-02-09T09:00:26","guid":{"rendered":"http:\/\/www.duncanlawonline.com\/?p=5114"},"modified":"2015-04-13T00:02:27","modified_gmt":"2015-04-13T00:02:27","slug":"upside-down-under-water-on-house-bankruptcy-help","status":"publish","type":"post","link":"https:\/\/www.duncanlawonline.com\/staging\/8350\/upside-down-under-water-on-house-bankruptcy-help\/","title":{"rendered":"Upside Down or Under Water on Your Home?  Bankruptcy May Help!"},"content":{"rendered":"<p><iframe loading=\"lazy\" title=\"How Can Bankruptcy Help If I&amp;apos;m Upside Down On My House?\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/U4ulFb3ZY0k?wmode=transparent&amp;rel=0&amp;feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p align=\"left\"><span style=\"line-height: 1.5;\">With the decline in the housing market many people find they are \u201cupside down\u201d or \u201cunder water\u201d on their home.\u00a0 In other words, do you owe more for the house than what it is worth?\u00a0 If that is your situation and you have two or more mortgages, you may find that <\/span><a style=\"line-height: 1.5;\" title=\"Chapter 13 Bankruptcy\" href=\"https:\/\/www.duncanlawonline.com\/bankruptcy\/bankruptcy-types\/chapter-13-bankruptcy\/\" target=\"_blank\">Chapter 13 bankruptcy<\/a><span style=\"line-height: 1.5;\"> is an option you have never considered.<\/span><\/p>\n<p><a style=\"text-align: -webkit-left;\" href=\"https:\/\/www.duncanlawonline.com\/wp-content\/uploads\/2012\/02\/Family-in-Front-of-House.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft size-medium wp-image-5115\" style=\"margin-left: 0px; margin-right: 10px;\" title=\"Young Family in Front of House\" src=\"https:\/\/www.duncanlawonline.com\/wp-content\/uploads\/2012\/02\/Family-in-Front-of-House-200x300.jpg\" alt=\"Young Family in Front of House\" width=\"200\" height=\"300\" \/><\/a><\/p>\n<p align=\"left\">Let\u2019s look at an example where Chapter 13 bankruptcy may help you:<\/p>\n<p style=\"padding-left: 60px;\" align=\"left\">You have a home with a fair market value of $150,000.\u00a0 Three years ago the house was worth $200,000.<\/p>\n<p style=\"padding-left: 60px;\" align=\"left\">You have a first mortgage on the home for $160,000 and a second mortgage or <a title=\"Does Your HELOC (Home Equity Line of Credit) Have You Locked?\" href=\"https:\/\/www.duncanlawonline.com\/does-your-home-equity-line-of-credit-have-you-locked\/\" target=\"_blank\">HELOC<\/a> for $40,000.\u00a0 In other words, you owe more on the first mortgage than the house is worth.<\/p>\n<p style=\"padding-left: 60px;\" align=\"left\">You can easily make the first mortgage but the second mortgage is more than you can afford.<\/p>\n<p style=\"padding-left: 60px;\" align=\"left\">You know it will be several years before the house is valued at $200,000 again.<\/p>\n<p style=\"padding-left: 60px;\" align=\"left\">As a result, you are stuck making two or more mortgage payments on the home and it isn\u2019t worth it.<\/p>\n<p style=\"padding-left: 60px;\" align=\"left\">You are contemplating a short-sale which leaves you without a home and a \u201cding\u201d on your credit or you are considering walking away from the home and letting the mortgage company foreclose.<\/p>\n<p align=\"left\">If this is your situation, you should consider a Chapter 13 bankruptcy.\u00a0 With the Chapter 13 bankruptcy, you may be able to \u201cstrip\u201d or eliminate the second lien\/mortgage.\u00a0 Within the bankruptcy, you are able to eliminate the lien on the house as long as you complete the Chapter 13 bankruptcy within the three to five years required by the bankruptcy laws.\u00a0 The number of years you must be in the bankruptcy will depend on your specific situation.\u00a0 Let\u2019s use the example above to see how it might work for you.<\/p>\n<p style=\"padding-left: 60px;\" align=\"left\">Your first mortgage is $1,100 per month.<\/p>\n<p style=\"padding-left: 60px;\" align=\"left\">You have $10,000 in credit card debt, a $2,000 personal loan and $750 in medical bills.<\/p>\n<p style=\"padding-left: 60px;\" align=\"left\">You owe $40,000 on the second mortgage that may be eliminated in your Chapter 13 bankruptcy.<\/p>\n<p style=\"padding-left: 60px;\" align=\"left\">You meet with the bankruptcy attorney and determine that you qualify for a Chapter 13 bankruptcy and it appears you are eligible to strip the second lien in the bankruptcy.<\/p>\n<p style=\"padding-left: 60px;\" align=\"left\">Your Chapter 13 plan payments are estimated at $1,300 &#8211; $1,500 including your first mortgage and other debts including the second mortgage.<\/p>\n<p style=\"padding-left: 60px;\" align=\"left\">Once the <a title=\"North Carolina Bankruptcy Lawyers\" href=\"https:\/\/www.duncanlawonline.com\/bankruptcy\/\" target=\"_blank\">bankruptcy<\/a> is filed, your attorney will file a lawsuit or adversary proceeding against the mortgage company or they may be able to simply file a motion to strip the lien.\u00a0 Each bankruptcy court has their own requirements, so you should speak with your bankruptcy attorney to determine what must be completed in your case.<\/p>\n<p style=\"padding-left: 60px;\" align=\"left\">Once this process (either adversary proceeding or motion) is completed, the bankruptcy court will issue a judgment or order that voids the second lien on the house as long as you complete and receive a discharge in your Chapter 13 bankruptcy.<\/p>\n<p style=\"padding-left: 60px;\" align=\"left\">Once the bankruptcy is discharged and completed, three to five years after you file, you will resume payments on your first mortgage but the second mortgage and the other debts listed in your bankruptcy are eliminated and you will not be responsible for making payments on these debts in the future.<\/p>\n<p style=\"padding-left: 60px;\" align=\"left\">As a result, if you decide to sell your house in the future, you will only be required to pay off the first mortgage.\u00a0 The second mortgage is no longer a factor.<\/p>\n<p>This is obviously a simplified approach, so you should seek the advice of a bankruptcy attorney to see if <a title=\"Can I Eliminate a Second or Third Mortgage by Filing Bankruptcy?\" href=\"https:\/\/www.duncanlawonline.com\/eliminate-mortgage-filing-bankruptcy\/\" target=\"_blank\">stripping your second or third mortgage or HELOC<\/a> is an option for you.\u00a0 You are thinking this must be too good to be true otherwise someone would have mentioned this to you before!\u00a0 It really is fairly simple.\u00a0 This is just one way a Chapter 13 bankruptcy may assist you in keeping your home when you are upside down or under water.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>With the decline in the housing market many people find they are \u201cupside down\u201d or \u201cunder water\u201d on their home.\u00a0 In other words, do you owe more for the house than what it is worth?\u00a0 If that is your situation and you have two or more mortgages, you may find that Chapter 13 bankruptcy is &#8230; <a title=\"Upside Down or Under Water on Your Home?  Bankruptcy May Help!\" class=\"read-more\" href=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/upside-down-under-water-on-house-bankruptcy-help\/\" aria-label=\"Read more about Upside Down or Under Water on Your Home?  Bankruptcy May Help!\">Read more<\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"video","meta":{"nf_dc_page":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[5,6,28,7,16,10,30],"tags":[],"class_list":["post-5114","post","type-post","status-publish","format-video","hentry","category-after-you-file","category-bankruptcy","category-bankruptcy-video","category-chapter-13","category-creditors","category-duncan-law-blog","category-video","post_format-post-format-video"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Upside Down or Under Water on Your Home? Bankruptcy May Help!<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/upside-down-under-water-on-house-bankruptcy-help\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Upside Down or Under Water on Your Home? Bankruptcy May Help!\" \/>\n<meta property=\"og:description\" content=\"With the decline in the housing market many people find they are \u201cupside down\u201d or \u201cunder water\u201d on their home.\u00a0 In other words, do you owe more for the house than what it is worth?\u00a0 If that is your situation and you have two or more mortgages, you may find that Chapter 13 bankruptcy is ... 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