Q: Which type of bankruptcy would you recommend if I want to keep my home? Thank you!
I am now being sued by 2 companies. I would like to file for bankruptcy but not include my home.
A:
When you file for bankruptcy relief, no matter which chapter, you must list ALL of your assets, under penalty of perjury. In other words, you must "include" your home, and all other assets, by identifying it on the sworn Schedules you must file.
Ch. 13 was designed, and is most often used, to "save the house", as it has very favorable provisions for curing past due payments.
While it is possible/permissible to represent yourself to file and proceed through a bankruptcy, there are many pitfalls and I strongly recommend that you engage a bankruptcy lawyer to represent and guide you through the process.
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