Client in poor health filed a Chapter 13 with a motion to strip the junior td pursuant to 1322b and 506a. I have had several of these granted. The judge always insists on an order that includes language that the lien strip is only effective if the debtor(s) completes their Chapter 13 plan. My client is in a three year zero percent chapter 13 plan and upon completion she will be caught up on her first (the first was modified to be much more affordable thanks to Freddie Mac) and have wiped out the 2nd TD. Without the 2nd she is very slightly upside down. If the real estate market turns around in the next couple of years she will again have equity in her house.

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