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After getting divorced in 2010 and purchasing a new home in 2011, I find myself mounting a huge amount of unsecured debt = 42K - which is growing each month as I cannot meet my expenses. I have sole custody of my 3 children that live at home. I plan to retire from the PA public school system in 4 or 5 years. If I have to file bankruptcy could it affect my PSERS pension? Will I be able to keep my home? I have about 20K in equity. Please help. And if you specialize in bankruptcy please leave contact info. Thank you.