We filed for Chapter 13 a few months ago and had a second mortgage stripped, and kept our house. Our bankruptcy was confirmed, and we have been making the payments. However, we have aquired thousands of dollars in medical bills recently, and my husbands job will likely be lost in the next few months. I am on unemployment, and struggling to find employment. We are barely getting by, and we have small children. We are positive that we will not be able to continue make the chapter 13 repayment payments. Can we possibly convert our 13 to a 7 and keep our home, AND not get the second mortgage back? Our home has no equity in it above the mortgage, and we have two cars. One valued at $2400 and the other at $10000. No other assets.