BK-7 Discharged; now BK-13 to strip HELOC.

[bntactnt]

I reside in Central District of CA. I filed BK-7 and received my discharged paper less than a year ago. Now I am considering filing a BK-13 to strip my second/junior lien on my home/residence. I was reading on internet and this process is called a Chapter 20.

Does anyone know if this is possible to do Central District of CA? Please advise...

Thank you!!!

[catleg]

I think you have to wait 7 years from the first discharge.

[LadyInTheRed]

It doesn't look like you can do it in your district. But, I haven't checked to see if this case was appealed or if there is more recent caselaw. But, since this is up on the court's website, I suspect it is still the court's position in the Central District of CA: http://www.cacb.uscourts.gov/cacb/Pu...searchable.pdf

Catleg is right. You have to wait until you are eligible for a Chap 13 discharge.