We filed chapter 7 bankruptcy in 2010. Our first mortgage is $190k, our 2nd is $90k. We didn't reaffirm our 2nd mortgage. We want to keep our house. We're not eligible for chapter 13 for another 3 years and by then our house value will probably increase and we won't be eligible for chapter 13. We're 7 months behind on our 2nd and current on our first. What options do we have? We don't have money to catch up on the 2nd. Please help. I don't want to lose my home.

We filed chapter 7 bankruptcy in 2010. Our first mortgage is $190k, our 2nd is $90k. We didn't reaffirm our 2nd mortgage. We want to keep our house. We're not eligible for chapter 13 for another 3 years and by then our house value will probably increase and we won't be eligible for chapter 13. We're 7 months behind on our 2nd and current on our first. What options do we have? We don't have money to catch up on the 2nd. Please help. I don't want to lose my home.

They can take your house...

Start foreclosure

You either reaffirmed or you included them ( and your house) in bankrutpcy.

Or your bankruptcy was improperly showed final and all of your debtors could have a reason to come back after you and challenge the bankrutpcy on procedure issues.

But if they were included in the bankruptcy, they can ask the house be sold by bankruptcy court.

If they were affirmed, or not listed in bankruptcy, they may start foreclosure to have the house sold.