behind on the second

[blondeinmn]

Any advantages or disadvantages to being behind on your second when you file a chapter 7

[sadbutinneed]

Not really. Depends on your situation, but you might need the payments to qualify and pass means test/schedule J to ensure you have no DMI to go into a Chapter 13. You can't strip the lien or anything in a Chapter 7, so being behind may just complicate things if anything.

[blondeinmn]

I don't need it for the means test. Just wondering if second mortgage might try for a motion to lift stay. Unlikely considering the first is $60,000.00 under water. Also wondering what trustee might say considering I am intending to keep the house for now. Not going to reaffirm, just ride through and see what I can negotiate with the first and second mortgage later.