Yes, if you can afford them. You can reaffirm the debt on all real property by filing a Statement of Intentions indicating your desire to reaffirm in your bankruptcy. If you owe arrearages on these properties, you will probably want to file a Chapter 13. A Chapter 13 will let you cure your arrearages over time and so bring your balance current with your mortgagor. You do not have to give up any real property, but depending on your exemptions, you might have to pay extra money through your Chapter 13 Plan to keep any property that is not exempt. Contact a Jacksonville Bankruptcy Attorney now to find out about what exemptions you qualify for.