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Title : If I've Chosen to File a Chapter 7, Can I Stay in My Home?
link : If I've Chosen to File a Chapter 7, Can I Stay in My Home?

If I've Chosen to File a Chapter 7, Can I Stay in My Home?

The first thing that probably comes to your mind when thinking of bankruptcy is a Chapter 7. It is your typical bankruptcy and involves getting rid of many of your debts in a short period of time. Conversely, a chapter 13 gives you a reorganization plan that allows you to pay back your creditors and hold on to your property.

So, if you want to keep your house, which chapter is better for you? It is possible to keep your property, like a home, in a Chapter 7. In order to do so, you must "reaffirm" the debt and continue to make payments. A reaffirmation is an agreement with the lender that allows you to continue to pay the debt under the original conditions. In return, you get to keep your property.

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