Senior citizen has bankruptcy question.?

I have 2 mortgages and a sheriffs lien on my home which I can not pay. My house burned down due to an accidental electrical fire a couple months ago. I cannot ever live in that house again due to the trauma, my pets died and all my belongings except the clothing on my back were destroyed.( I was about to list the house for sale when the fire happened). The homeowner insurance has arrived on a fig

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