One of the most important aspects of filing for bankruptcy is obtaining the automatic stay.  https://codes.findlaw.com/us/title-11-bankruptcy/11-usc-sect-362.html. In general, this means that lawsuits are stopped in their tracks, garnishments will cease, foreclosures are stayed and cars cannot be repossessed.  This can buy you the needed time to make important decisions about your property.  Guidance from an experienced bankruptcy attorney is absolutely necessary to explain your options.  Each case is analyzed based upon your situation and solutions offered will be determined by your facts.  Call the lawyer that other lawyers call.