Chapter 13 with a 2nd Mortgage, Property Taxes, or Income Tax Lien
Chapter 13 can work much better than Chapter 7 if you have a second mortgage, get behind on property taxes, or have a tax lien on your home.
Buy Time to Get Current on Home Property Taxes
Falling behind on home property taxes creates a special problem. The tax collector will likely be much less pushy than your mortgage lender.
Catching Up on Your Property Taxes through Chapter 13
If you are behind on property taxes on your home, Chapter 7 often doesn't give you enough time to catch up. But Chapter 13 likely would.