I filed a ch7 bankruptcy just over 4 years ago. I got a discharge. I had a medical problem and now owe over $200,000 in medical and I am about to have my home foreclosed on. ---- I filed 2 ch13 in the last 4 years that were dismissed because I missed payments. My attorney said I can do another ch13 and since it's been over 4 years since the discharge in the 7 that I can get the $200,000 wiped out and I can strip my 2nd mortgage if I complete the plan this time. I thought you had to wait 8 years or you couldn't get a discharge. Is he right or do I need a new attorney? Any other ideas on saving my home, getting rid of the medical debt and getting rid of the 2nd mortgage?