If you voluntarily conform to protected personal debt with home, you give the lender a "lien" over the ordered house. A voluntary lien allows the lender recover the assets if you do not spend, even if you file for bankruptcy. You will find out more relating to this in https://louistgnuy.bloggosite.com/36149294/5-simple-statements-about-what-happens-if-i-leave-a-creditor-off-my-bankruptcy-explained