have 2 loans both are private lenders 1st and 2nd mortgages can you file bankruptcy and keep your home?
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You need to file for a ‘homestead’ with the county recorder and that should protect you from losing your house.
But it will also alert other creditors of potential problems.
You can keep the home as long as you keep paying on the mortgages. In bankruptcy terms, you “reaffirm” on the mortgage debt.
If you want to lose the mortgage payments, you have to give up the home.