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Law Office of Alec Harshey

Consumer, Small Business Bankruptcy and Real Estate Attorneys
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Reclassify A Second Mortgage Through Chapter 13 Lien Stripping

In these hard economic times, many homeowners across California have second mortgages which are entirely unsecured by the present market value of their home. If this sounds like your situation, Chapter 13 bankruptcy may be a viable option to help you secure a better financial future. Under Chapter 13 bankruptcy, it is possible to strip a second mortgage. However, Chapter 13 “lien stripping” can be a complex area of the law and requires the assistance of an experienced bankruptcy attorney.

More Than 30 Years Of Experience

At the California Law Office of Alec Harshey, we provide comprehensive bankruptcy representation. Our lead attorney, Alec Harshe y, has extensive bankruptcy experience and can explain the Chapter 13 lien stripping process and how it may apply to the specifics of your particular case.

Contact us today to discuss how our legal team can help you with your second, third or fourth mortgage using Chapter 13 bankruptcy. Our lien stripping lawyers can be reached at 877-824-8147.

How Chapter 13 Lien Stripping Works

Filing for Chapter 13 bankruptcy provides many benefits to the individual, such as debt reorganization, creating a three- to five-year repayment plan as well as the possibility of stopping home foreclosure. On top of these benefits, is the ability to strip second or third mortgages or other liens. While every case is different and there are many details to consider, the basic outline is this:

Chapter 13 allows you to reclassify the mortgage or lien on your home as an unsecured debt. Once this occurs, this debt can be placed in your repayment plan. The major catch to this is that you must complete the Chapter 13 repayment plan, otherwise the mortgage or lien would remain effective.

Why reclassify a second mortgage through lien stripping? Because, if you complete a 60 month Chapter 13 plan you have paid off a 20 – 30 year second mortgage in 5 years.

Contact The Law Office Of Alec Harshey

We invite you to take a moment to talk with our dedicated lawyers. We are available at 877-824-8147 or you can send us an email. Our law firm offers reasonable fees and affordable payment plans.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.


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Office Location
901 South State Street
Suite 400
Hemet, CA 92543

Phone: 877-824-8147
Map and Directions

1111 Tahquitz Canyon Way East
Suite 121
Palm Springs, CA 92262

Map and Directions