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Practical, useful, current information for consumer and business bankruptcy filers in California. LEARN HOW TO "STRIP OFF" AN UNSECURED 2ND MORTGAGE IN A CHAPTER 13 IF YOUR RESIDENCE IS WORTH LESS THAN THE BALANCE ON THE FIRST MORTGAGE!! Part of my job is to reassure clients that bankruptcy is not as serious as it sounds and that everything is going to be okay. Unfortunately, bad times do come, even to people who have good financial discipline and there are many reasons why you may be in a serious financial crisis. Regardless of the reason, the important thing to remember is that you are not alone in your struggle with bankruptcy. There are other people out there, just like you who are going through bankruptcies. And it's not your past that defines you. The days ahead will determine who you are as a person.