I am in a desperate place right now. I was planning on moving forward with a Chapter 13 and found out that if I choose to strip my 2nd mortgage (48k) it would then go to my ex-wife as a debt.
This is a moral dilemma, because even though we incurred those debts together, I dont want to screw her over after 2 years of divorce either. The home is severely under water (260 first, 48k second; appraised at 180k) so I cant even re-fi to get her name off.
What options do I have?