you must be current on your mortgage payments and file a homestead exemption. With Chapter 13, you don’t have to be current on your payments, but you must become current during your repayment plan. If you can’t keep your home during bankruptcy, you can still work towards future homeownership by rebuilding your credit and exploring different mortgage products. It’s important to consult with a bankruptcy attorney and a mortgage specialist to understand your options and make the best decision for your financial future.