You may qualify for bankruptcy today, but that doesn’t mean that you will qualify in a month, 6 months or in a year. Likewise, the fair market value of your real property may be lower than the amount you owe on your first deed of trust today. However, with rising property values in recent months, this may change in 6 months or a year. Thus, if you want to get a fresh start or get rid of a 2nd deed of trust on your property, take action today and keep in mind that merely hiring a bankruptcy lawyer does not mean that your case is filed. Stop putting off the inevitable and start the new year right. You may be pleasantly surprised by how painless bankruptcy can be with the right lawyer on your side.