In the 1990s, the state began to experiment with awarding and managing construction contracts using the design-build system. Figure 1 summarizes the various legislation authorizing state and local entities to use design-build under specified circumstances.
A low payment means you're more likely to be able to demonstrate to the court that you have the capability to make such a payment, which means it's more likely you'll be granted Chapter 13 bankruptcy, which means you'll keep your house.
But, just filing bankruptcy is not a breach of the agreement in many jurisdictions; failing to make the payments according to the loan agreement is a breach. So, make the payments, keep the house. Almost without exception, the secured creditor wants you to keep the house and keep paying on the loan. The lender is not looking for an excuse to foreclose.