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How hard to strip HELOC?

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    How hard to strip HELOC?

    How hard do banks challenge a lien strip? I have a 260k first (now up to 275, haven't paid mortgage since June) and an 80k HELOC, which has now been "charged off." House has been listed for sale for months at 299. I am thinking now of doing a Chapter 13 and stripping the HELOC by asserting that the house is worth less than the first mortgage. I am wondering how banks react -- do they challenge the strip by asserting the first is worth more? Or do they even show up at the creditor's meeting? HELOC is held by USAA.
    THanks

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