Hi and thank you for your question. In the future, you can request me to answer any further questions.
A chapter 13 permits a cramdown of a wholly unsecured mortgage.
So, if the balance on the first mortgage is greater than the fair market value of the home, the debtor can treat that 2nd as a wholly unsecured debt, and pay it back at the unsecured rate in the plan, often pennies on the dollar.
if there is no superior lien, then no, you cannot cram it down and bifurcate the claim as secured and unsecured.
Ch7 offers no such relief either.
thanks for your question, good luck.
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