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Do you have a right to? No.

May it happen..possibly.

In big picture: If you don't have (much) equity, that is the home isn't worth more than the loans against it....AND you can satisfy the other creditors you owe, without needing the court to reduce what you owe them...you can probably keep it. (Obviously, if your behind on mortgage payments, that too is a problem). You cannot expect to have your obligation to pay others what you contracted and owe discharged or reduced, and for you to keep things of value that could have been used to pay them! (Wouldn't seem very fair for them to lose their houses because they can't pay their mortgage because you didn't pay them...but you get to keep your valuables).

Certainly, someplaces homestead laws may afford you some protection for a reasonable amount of that equity.

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Q: Can you keep your house in a chaper 7?
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