[ben1381]

I was able to get my first mortgage modified with Citi because I had a Citi employee get involved. Now I am trying to get my second mortgage Heloc with Chase modified because I am underwater with the two mortgages. I am also filing Chapter 7 soon to get rid of unsecured debt. I can't strip the mortgage in Chapter 13 because the second mortgage is not completely underwater. Chase says they won't modify the second unless housing payments are over 44% of gross income. To me that is way too high! Any ideas what to do.