Well, homes are generally protected by the Homestead Exemption in Florida if you filed. If you haven’t paid your mortgage, the mortgage lender can foreclose on your home, even if you file bankruptcy. The key here is the bankruptcy will ensure that the mortgage foreclosure does not come back to you. Meaning, if there’s a deficiency, you won’t be required to pay it, and you won’t be legally obligated to pay it after you filed for bankruptcy.