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If the total amount owed to your first mortgage is greater than fair market value of your property, you can eliminate the security interest to junior lienholders and treat them as general unsecured creditors in your bankruptcy plan (thereby possibly being able to pay them less than 100 %). (riverside-bankruptcy-attorneys.com)
Garnishment Garnishment Garnishment General Unsecured Creditor Gifts Goals Good Manners Guaranty Guilt (jclawgroup.com)