It's certainly an option.  Whether she'd be able to protect her home depends on the amount of equity in it, the value of her other assets, what chapter she files, and which state's exemption laws apply to her case.  Exemption laws are based on the state where you resided for the 2 years prior to filing your bankruptcy case or, if you lived in more than 1 state during that period, in the state where you resided for the greater part of the 180 days prior to that 2 year period.She needs to consult with a bankruptcy attorney in her area. Mark J. Markus, Attorney at LawHandling exclusively bankruptcy law cases in California since 1991.http://www.bklaw.com/Follow Me on Twitter:  @bklawr