So it looks like I will have to file Chapter 13 to save my home. I was working on a modification but I found out I had a lien on my home for 4k that I couldn't pay in the time I was given. I thought there would be a chance for another option but the new rep I was assigned to says there are no other options except a full reinstatement (I owe close to 15K) or having the house go to sheriff sale. So, I will file the chapter 13.
I wanted to get some advice on what I should do before that. I just got a new secured card and I've been disputing items with some success. It sucks that I have to file the chapter 13 now since my score is improving, but since I have to, I will. Should I try to get another secured card before I file? I want to begin the rebuilding process as soon as possible after the bankruptcy. Will my score go down to 300 or lower? I only plan to add the mortgage arrears into the bankruptcy, but will my secured cards be closed or affected somehow?
Any other advice would be greatly appreciated. Thanks.