my husband and i filed for a chapter 13 in september 2007. at the time we had decided to surrender our home because we had an arm and could not make the payment. now with the new foreclosure crisis the mortgage holder is willing to work with us to get us back in the home. the hearing for relief is scheduled 4 days from now and i would like to explore the possibility of keeping the home instead of surrendering it. is that possible? is it also possible to file on the second mortgage?

