Hi and thanks for your question.
The answer is -it depends.
In Penn. there is no homestead exemption to protect equity
If you are married, and the home is owned by tenancy by the entirety -it is then exempt (protected) without limit as to debts of one spouse [In re McCormick, 18 B.R. 911 (W D. Pa. 1982)].
If the property is mortgaged out,, with no equity, then there is no issue (or usually even if less than 5% equity, since that amount is what it would cost to liquidate).
Otherwise, if there is equity, then you can file a chapter 13
to pay back enough of the consumer debt to protect the equity.
Talk to a local bankruptcy attorney to review your situation and home equity, and they can give you a free consultation about your case.