Filing Bankruptcy California Online

If you declare bankruptcy in California that I will lose my home?
I am two months behind in paying my mortgage. I work with my mortgage company a payment plan, but I read horrible things about this company online mortgage. My credit is terrible and refinancing is out of question. I work to repair my credit, but I want to have options before the house goes into foreclosure. HELP!
certainly not
BAIL OUT BANK DEMOLISHES NEW MODEL HOMES- HOUSING MARKET COLLAPSE
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