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.
You can keep your home in Chapter 7 bankruptcy if you have no equity in the house or you are able to exempt (protect) whatever equity you do have in your home, using the homestead exemption (discussed below).