Unsecuring Your Client's Second Mortgage Debt

We're all too aware that first residential mortgages can't be modified in bankruptcy, but the news with regard to second mortgages is much better-depending upon the value of the property and the outstanding balance on the first mortgage, it may even be possible to avoid a second mortgage entirely, legally converting it to unsecured debt that is treated just like a credit card debt in bankruptcy. Includes sample complaints, motions and discovery documents.

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