Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
Whether you would be able to keep your home would depend on whether you can pay the mortgage. If you are behind on the mortgage payments, you can file a Bankruptcy that would allow you to pay the past-due amount over a period of 5 years, in addition to the regular mortgage amount.
The same would apply to the utilities - the gas company would also have to turn the gas back on, and you would have to pay the arrears over a 5-year period, in addition to the regular monthly gas bill.
As you can see, this type of Banktuptcy is really only beneficial for someone who recently had trouble paying the bills, but who is now in better financial condition.
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