​4. If I’m making payments on my house or car, can I keep them if I file for bankruptcy?

Yes, but you must continue to make timely payments.  If you are behind on payments in a Chapter 7 bankruptcy, you may have a limited amount of time to catch up those debts after your bankruptcy filing.  If you are unable to get those debts current and have a consistent source of income, Chapter 13 bankruptcy might be a better option.