I encourage you to see a bankruptcy attorney. What options you have will depend on the details of what debts you have, what assets you have, the income you have, etc. It will also matter what chapter of bankruptcy you use (Chapter 7 or 13). You may be able to save the home As to your home, it appears that Missouri law protects $15,000 of equity in your home (other than a mobile home, where the amount protected is less); so if your equity is more than that the trustee coud potentially have the home sold in bankruptcy to pay creditors. But you won't know what you face without a review of your complete situation by a bankruptcy lawyer.