Often times when I consult with people I am trying to create a plan that saves thier home. In our area (Naples, FL) homes are often upside down – the owners owe more than the house is worth. One way of saving a home in this situation is to strip the second mortgage so that it is discharged along with the other unsecured debts. Doing this can sometimes make it prudent to keep a home that I would normally recommend be surrendered in a bankruptcy.
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