New here with Chapter 13 questions...

[keepsmiling]

Since you want to keep your home and there is no equity, a 13 will allow you to strip the second mortgage.
However, leaving 200 bucks a month for groceries and gas is not reasonable.
Something isn't adding up here for sure. We need more info to help you. Since you've been "snooping" for a while you probably know that by now Congrats on coming out of hiding and welcome.
No matter what, ALWAYS talk to more than one attorney.