Legal Question in Bankruptcy in Nebraska

Re: first mortgage and chapter 13

All debt must be included in any chapter bankruptcy.If you have a mortgage on your home, your lender will still be listed as a creditor even if you are current on your payments.

You don't "reaffirm" debt in a chapter 13 like a chapter 7. You either keep making current payments on secured debt (like a mortgage) and use the plan payments to cure arrearages, or, you surrender the house.

There are some liens on houses which can be avoided, but a "first mortgage" does not sound like one of those liens.

So, yes, a first mortgage must be "included" in your bankruptcy.