Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Helen, how do I file for bankruptcy to delay foreclosure? - You say you can file, but get it dismissed and not actually go bankrupt? How do I do this? br br Also, I AM in a judicial state with homestead which is Florida. You say you'd just demand the note. However, I've heard from all these Republican bank-loving idiots online say these banks have all the records and we commoners can't really demand them anyway without an attorney.