Tax refund/Lien Strip 2nd/Credit card charges

[needadvice1]

[justbroke]

The $1,000 cash advance will definitely draw attention from the creditor and they will move to have it non-dischargeable. The others are blips. However, I'd let everything age 90 days... and make a couple of payments (if you have to).

2. Is it possible to Lien strip a second mortgage? This was a hard cash 2nd loan. I am current and never late on my first mortgage. I am current late on my second 17 days.

Recent Appraisal $275,000 MAI/SRA certified
1st mortgage balance WAMU $302,000
2nd Countrywide balace(hard cash) $73K

Yes, have your lawyer strip the 2nd. Since you have a REAL appraisal (probably on a URAR), you'll be okay. Of course, Countrywide may seek their own appraisal, but they may not.

3. I want to keep my anticipated 2008 tax refund of $4000.00. I use the refund to pay my property taxes of $2500.00.

Well, you may be able to include your 2008 property taxes in your Chapter 13! So that's moot.

4. Can I change my deductions after I file Chapter 13 to save move to pay my property taxes of $2,500?

No. You will just have your property taxes as an expense item (not paid through the Plan). I think it's better to get your Mortgage company to escrow these. Of course, I would only do this if you're CURRENT on your Property taxes because escrow accounts are strange.

5. Should I list my property on my chapter 13 that is out of the country? Peru

You have to!