Families are often complicated.[/caption] Harsh or not it is the reality of the system. If you want to reorganize or eliminate your debts you must abide by the system or have your case dismissed. In two of my cases the parents were willing to lose their home and/or vehicles in order to continue to care for their healthy and capable adult children. These adult children did not have specials needs but rather could not afford the life style they were living and are not willing to change their lifestyle.