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.
If this is the case, the bankruptcy trustee will not sell your home because there would be no money to distribute to your unsecured creditors. Most Chapter 7 bankruptcy debtors don't have enough nonexempt equity in their homes to trigger a sale, which means most debtors can keep their homes in bankruptcy.