Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Is it too late to file for bankruptcy if my debt has already gone to collections? - Can I include a HELOC (line of credit against my mortgage) into a BK? I haven't paid my credit card for 2 1/2 months and don't know if it's in collections yet, balance is 30K. I have another one for 9K but payment is current - would I be able to add that one in the BK too? I lost my job and am barely making my mortgage, can't afford to have these debts tagged on as lien, will lose my house too, am desperate, have otherwise perfect credit. Credit Card company best they offered me was 600/month I was like I wish but sorry I just don't have the money. -