You need to be current on your mortgage payments (all mortgages) and continue to stay current.
Also, any equity you may have in your home must be protected using the Exemption scheme. The amount of equity you may have and still keep your house depends on your particular situation. This is a very dangerous area of bankruptcy law, and non-attorney petition preparers are not legally allowed to advise you in this regard.
Yes, filers have lost their house based on errors and bad advice in regard to their home equity. Speak with an experienced attorney in this regard.
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