Chapter 7 and Chapter 13 cases. Chapter 7 is usually used by individuals and couples who have no extra money afterleft over after covering their basic needs. 2. People who are behind on their mortgage payments orthat is worth less than their first mortgage balance. The second mortgage can be "stripped off" and treated

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represent individuals and sole proprietors in chapter 13 bankruptcies. Strip off (remove) 2nd mortgages in certain cases --Our corporate

experienced bankruptcy specialist with an expertise in Chapter 7 and 13 cases, mortgage loan modifications, IRS debt, debt settlements

in Chicago, Illinois. He has practiced law for 13 years and has great expertise in assisting families elimination and settlement, loan and mortgage modifications, as well as chapter 7, 11 and 13 bankruptcies. In 1990, Richard