Legal Question in Real Estate Law in Massachusetts

To the extent the second mortgage is unsecured, meaning there is no equity beyond the first mortgage it will become an unsecured lender.

Your ability to keep the home will depend on a number of issues. You need to consult with a bankruptcy attorney to evaluate your case to determine if you can keep your home.

You will be filing a chpt 13 and there will be a payment plan that you will need to keep and you will be making payments for 5 years.