Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - If you file bankruptcy on bills but not your house then you find you can not afford your house? - After filing bankruptcy on everything but your house, then you find you can not afford your house. The bank takes it back and sells it. If they don't sell it for what you owe on it, is there a way where you don't have to pay the left over amount. Since I have heard you can only file bankruptcy every seven years. -