Absolutely. If you are behind on the mortgage than you will want to file a Chapter 13. This will allow you to pay the arearage over time and discharge the unsecured debt. If you are current on the home mortgage and do not have significant (less than 20K for single, 40K couple) equity in your home then you can file a Chapter 7 to eliminate the unsecured debt. My office is in Norristown and I handle both 7s and 13s. please feel free to call for a free consultation.