Zillow Advice: Loan Modifications - Loan modification and "stripping a 2nd mortgage" question http://www.zillow.com/advice-thread/Loan-modification-and-stripping-a-2nd-mortgage-question/505917/ Zillow Advice | Zillow Real Estate If I understand you correctly, ... http://www.zillow.com/advice-thread/Loan-modification-and-stripping-a-2nd-mortgage-question/505917/ If I understand you correctly, your BK. did not include your 1st/2nd mortgage. That being the case it should not have any bearing own the loan mod. Process. What it will affect however is your debt to I come ratio, as, presumably, you should not have any other financial commitments credit wise, due to the Chapter 7. When I was working on loan modifications, I would regularly serve and work of similar modification problems as yours. You would need to contact your lender, be prepared to provide them with a copy of the certificate of discharge, as well as prof that neither mortgages were part of the BK process. [self promotion deleted by Zillow moderator] Fri, 30 Aug 2013 23:18:00 GMT http://www.zillow.com/advice-thread/Loan-modification-and-stripping-a-2nd-mortgage-question/505917/ 2013-08-30T23:18:00Z Sorry for the delay in answering, ... http://www.zillow.com/advice-thread/Loan-modification-and-stripping-a-2nd-mortgage-question/505917/ Sorry for the delay in answering, I just saw this question.<br/><br/>In Washington State you can contact a housing counselor at Homeownership.wa.gov.<br/><br/><a href="http://www.dfi.wa.gov/consumers/homeownership/" rel="nofollow">http://www.dfi.wa.gov/consumers/homeownership/</a><br/><br/>The phone number is&nbsp;1.877.894.HOME.&nbsp;<br/><br/>This service is run by the Dept of Financial Institutions. &nbsp;DFI oversees mortgage lending in WA State.<br/><br/>These people can go over your options with you. Wed, 21 Aug 2013 23:01:00 GMT http://www.zillow.com/advice-thread/Loan-modification-and-stripping-a-2nd-mortgage-question/505917/ 2013-08-21T23:01:00Z The Nolo lawsite tends to ... http://www.zillow.com/advice-thread/Loan-modification-and-stripping-a-2nd-mortgage-question/505917/ The Nolo lawsite tends to give pretty credible information.&nbsp; Here's <a href="http://www.nolo.com/legal-encyclopedia/can-i-get-rid-second-mortgages-liens-chapter-7-bankruptcy.html" rel="nofollow">a link.</a> <br/><br/>"stripping a second mortgage" appears to be a ruling in the 11th district, which includes Alabama, Florida, and Georgia.&nbsp;&nbsp;&nbsp; It appears to be something you need to address when you file for bankruptcy and not all judges will allow this.&nbsp; &nbsp; Please work with your bankruptcy lavvyer Thu, 08 Aug 2013 21:07:00 GMT http://www.zillow.com/advice-thread/Loan-modification-and-stripping-a-2nd-mortgage-question/505917/ 2013-08-08T21:07:00Z