Back in '02 my wife lost her job and we had to file a CH 7. It was discharged of that year and at the time we reaffirmed on the mobile home, cars etc that we had.
We have been trying to sell the mobile home for a couple years now with no luck. We contacted the mortgage company and they came out and appraised it at 25-30k but we owe 42k on it. There is no way we can sell it for what we owe so we inquired about a short sale. They said we need atleast 75% of the money to be considered.
We got an offer on the house for 23k and have applied for a 10k personal loan to make up the 75%. I called and offered them 30k (minus real estate fees) for it and they are playing hardball with us now.
Is it possible for us to file a CH 13 on the mobile home only and not anything else? I do not want to loose my new home, cars etc..
We do not live in the house anymore due to job changes and relocation. I am still paying on the house, lot rent and utilities and cannot afford it anymore.
Thanks for the help!

