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.
In a chapter 7, you can keep the house if there is no equity or the equity is exempt under the applicable exemption statute, or if you can pay the trustee the amount of the eqâ¦uity from some other exempt asset. If the house is in foreclosure, you usually would have to file a chapter 13.   In a chapter 13, if the equity in the house, if not exempt, you may have to pay something to the unsecured creditors, increasing the amount of the plan and thus the plan payments. But you get to keep the house.