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.P.S. From reading other posts it seems that where a district takes the stance that one cannot lienstrip a 2nd mortgage unless they are eligible for discharge in the 13, that means I CAN'T FILE THE 13 FOR 4 YEARS FROM WHEN I FILED THE 7 (if I want to lienstrip that is). Is that correct? Also, since the 2nd was discharged in the 7, would I still have to make payments toward it as unsecured debt in a later 13?