{"id":286963,"date":"2021-05-19T08:11:19","date_gmt":"2021-05-19T13:11:19","guid":{"rendered":"https:\/\/ability-fl-prod.internetbrands.com\/ability-law\/bankruptcy\/what-is-bankruptcy\/can-i-keep-my-home-after-filing-bankruptcy.html"},"modified":"2026-07-21T14:29:38","modified_gmt":"2026-07-21T19:29:38","slug":"can-i-keep-my-home-after-filing-bankruptcy","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/bankruptcy\/what-is-bankruptcy\/can-i-keep-my-home-after-filing-bankruptcy.html","title":{"rendered":"Can I Keep My Home After Filing for Bankruptcy?"},"content":{"rendered":"\n
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Can I Keep My Home After Filing for Bankruptcy?<\/h1>\n\n
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\n By Susan Buckner, J.D.<\/a> | Legally reviewed by Catherine Hodder, Esq.<\/a>\n | Last updated\n
\n \n <\/i>\n Legally Reviewed\n <\/summary>\n\n
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This article has been written and reviewed for legal accuracy, clarity, and style by FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with our editorial standards<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n\n

\n \n <\/i>\n Fact-Checked\n <\/summary>\n\n
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The last updated date refers to the last time this article was reviewed by FindLaw or one of our contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please contact an attorney in your area<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n<\/section>\n\n\n

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Key Takeaways<\/h2>\n

In most cases, you can keep your home when filing bankruptcy<\/span> if you follow specific rules. The principal concerns are the type of bankruptcy<\/span> you file, whether you can continue making mortgage payments<\/span>, and how much equity you have in your house.<\/p>\n\n <\/div>\n <\/div>\n<\/div>\n\n\n

Bankruptcy by itself does not eliminate your mortgage obligations. Depending on the type of bankruptcy<\/span> you file, it will eliminate some debts and place others in an affordable payment plan, giving you time to catch up on delinquent payments. In some states, your homestead (your primary residence<\/span>) is exempt from creditors during a bankruptcy proceeding.<\/p>\n

Considerations for All Bankruptcy Filings<\/strong><\/h2>\n

Bankruptcy is often the last resort for those in dire financial straits. With your mind focused on discharging your debts and starting over, it can be difficult to worry about what happens afterward. It\u2019s not a bad idea to take a few minutes and consider these facts about bankruptcies:<\/p>\n