Your Home in Chapter 13 Bankruptcy

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Chapter 13 bankruptcy has some advantages over Chapter 7 bankruptcy if you want to keep your home.

  • If you have significant equity in your home and want to keep it, Chapter 13 bankruptcy may be your best option. 
  • If you are behind in your mortgage, Chapter 13 allows you to catch up through your repayment plan.
  • You may be able to get rid of (strip off) second mortgages, home equity lines of credit, or home equity loans in Chapter 13 bankruptcy. 

For articles on real estate other than your home, see Rental and Investment Property in Bankruptcy.

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