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so does your home equity line of credit have you locked into your house so itamp;#39;s not uncommon in todayamp;#39;s day and age with the economy being what it has been that many folks have second mortgages or home equity lines of credit attached to their house in that home equity line of credit when it was initially received maybe there was a fair amount of equity in the house maybe you had 20 30 40 000 worth of equity in the house so you got a 30 000 home equity line of credit but now with the current market that equity has dissolved itamp;#39;s gone away and now you donamp;#39;t have any equity in your house and you owe a lot on your home equity line of credit in addition to your first mortgage well depending upon what you decide to do if you did a chapter 13 bankruptcy thereamp;#39;s the possibility that you might be able to do whatamp;#39;s called stripping the second lien second lien meaning your second mortgage or home equity line of credit stripping your second lien from