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Such as: This means that should your mortgage obligations toward a $two hundred,000 house is $165,000 (otherwise $130,000 to have a wedded pair), the collateral would-be $35,000 ($70,000 to possess a married partners), and you may could be covered by the latest homestead different. Inside analogy, your residence would be protected. Essentially, you are newest otherwise alongside newest on your own mortgage money or any other debts instance homeowner's insurance policies and you will property taxation inside the order to declare Chapter 7 case of bankruptcy. The reason is that Chapter 7 does not assist a borrower having financial delinquency or property taxation delinquency.

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