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My condo first mortgage is 157K, my defaulted second is 165K, credit card debt 80K, back HOA fees owed with lien is 6K. I see on zillow my house is estimated to be worth 159K. I understand my house value needs to be less than 157k to do lien stripping. Who does the estimate for the FMV of the condo? I desperately want to eliminate my debt in Ch. 13 now that I am employed again. How far below the value of the first mortgage does the FMV have to be for a judge to grant it? I am SO CLOSE!