How much equity (market value minus balance on mortgage) does your father's house have?
Pennsylvania does not have a Homestead Exemption. This means a creditor can take his house if he stops paying - unless the house is owned as "Tenants by the Entirety" with a spouse. He will have a similar problem if he files a Bankruptcy, which would allow a $20,200 Homestead Exemption, which means the Bankruptcy court could take his house, sell it, and give him $20,200 from the proceeds.
Is it likely that they will take him to court & take his house since he is only receiving Social Security or is that something that rarely happens? So what's his best options as far as the $19000 in cc debt that he has, what should he do? He has Parkinson's so is there some kind of protection for him since he has medical problems?
They cannot take his Social Security. Creditors will generally not sell a house - they are more likely to place a lien on the property, and then wait for it to be sold. Unfortunately, there is no protection for someone who has medical problems.
This may sound extreme, but perhaps he should consider moving to a state that does have a Homestead Exemption - such as Massachusetts or Florida.
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