Can a person file for bankruptcy if they are paying on two homes

Whether or not you should file for bankruptcy, or what Chapter (7, 11, 13) and whether you qualify for a particular chapter, is going to be based on much more and different information than you provided. Many people have more than one house, whether it is vacation home, rental, etc. Sometimes it is the extra expense that causes them to file. The easiest way to find out is to find a bankruptcy lawyer in your area.

You would need to speak with an attorney to discuss your particular situation. It would depend on the value of the two homes, how much equity you have in them, and what your current income is. To file a Chapter 13 (debt reorganization), you would need to be making enough income to fund the plan that would be set up. For a Chapter 7, again, it would depend on the equity in your homes and the exemptions given by the bankruptcy code.