Sorry. You hit Accept as I was posting my response. I will post it below.
Until and unless you are sued over the debt and the employer/creditor wins a judgment against you, your home is protected. They cannot lien your property until and unless they sue, win, and get a court order permitting a property lien.
Now, if they do sue you and win, then they can lien your property. However, that is not a favored method of collecting on a judgment. The favored methods include wage garnishment and bank levy.
So, even if you are sued, I do not think your home is at risk.
Moreover, it will take at least six months before they can sue and win a judgment, by that time you can negotiate a settlement as you will be able to start making repayments.
Please let me know what follow-up questions you have. If my above responses have been helpful, please click Accept so that I get credit for the time/effort. You may always restart the thread and ask follow-up questions at any time by clicking the “Reply” button at the bottom of the question/answer thread. You can access this thread later in your profile under the “My Questions” tab.