Please explain. I have been doing some research on the idea of filing a 13 now that i got my chapter 7 discharge. One lawyer told me I can't go back in and file a chapter 13 now (which i read is known as chapter 20) to strip and get rid of my unsecured 2nd mortgage because I "am not eligible for Discharge in the 13." Please explain this and when I actually would be eligible if this is true. I am very confused.