If your home value amounts to less than the primary loan balance, you may be able to eliminate your second mortgage (or other junior lien) through "lien stripping." Your bankruptcy attorney would file a motion in court showing evidence of your home's value and mortgage debt. And if the court agrees to void the second mortgage, that debt would be treated as "unsecured debt." This means that once your chapter 13 case ends, any remaining debt to the second mortgage lender would be wiped out.