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Bankruptcy will not eliminate a 2nd mortgage or Heloc unless they fail to challenge the bankruptcy. It’s a 50-50 gamble. If it were me I would do the bankruptcy and set aside the 1st mortgage payments (savings).
Send a certified letter to the Heloc people and 1ST mortgage people that your filing, they should contact each other and write you a 1ST that is favorable to the 1ST, The Heloc 2ND, and you.
The Heloc people won’t buy out the 1ST..so they need a deal!