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I filed Chapter 7 in 2010 - Can I strip my 2nd ?

San Diego, CA |

The 11th Circuit surprised the bankruptcy world recently when it ruled that Chapter 7 bankruptcy debtors could strip off wholly unsecured liens from their homes.

Attorney Answers 4


  1. You are not in the 11th Circuit in California. Even in the 11th Circuit, it is an unpublished opinion of a panel, not a published opinion, so it is not even binding in the Circuit. It also is contrary to most other courts. The world was not surprised, and even in the 11th Circuit you might not be able to do it.


  2. Depending on the judge you may be able to lien strip your second in a Chapter 20, i.e., a newly filed Chapter 13 -- you cannot do it in the Ninth Circuit in a 7.

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  3. Assuming you can qualify for lienstripping, it may be possible to strip your 2nd with a follow up Chapter 13 under what is commonly called a Chapter 20. Regrettably, lienstipping has not been accepted in Chapter 7 in the 9th Circuit, which includes California & Nevada. Hope this perspective helps!


  4. It would be a lot less stressful to file a Ch13 and strip the lien that way than to reopen your Ch7 and try to convince one of our judges (who will disagree with you) that it can be done in a Ch7.