Question on 2nd

[Toby629]

I have an appointment tomorrow with an attorney for consultation for BK. I am sure we qualify for a chapter 7, already did the means test online. We are current on our 1st mtg., however, we are behind 4 months on the 2nd. DH income has not been good at all these past months, is based mostly on commission and I lost my PT income. What we owe on the 1st is more than what our house would sell for nowadays. We want to keep the house, I checked on rental costs for a home in our area and we would be paying for rent what our 1st mtg is now. What options are available to deal with the 2nd through a BK 7? The 2nd has already been modified, lower payment and lower interest, but we still are having difficulty making the 2nd payment. DH may get another job that pays better, he has an interview this week. We still would qualify for a BK 7 even with this new job, his income would be below the means for a family of 3. Just looking for information before going to the consultation.

[keepmine]

To strip the 2nd, you'd have to file a Chapter 13.