We are being sued for $ 20.000 could we file for bankruptcy so we do not lose our home or property /

Definitely go talk to a bankruptcy attorney. Not that you necessarily want to file bankruptcy. You just want the full range of options. Many very good bankruptcy attorneys don't charge for the initial consultation. There are a lot of options open to you. So go, now. Don't wait. Good luck.

Bankruptcy may be an option, and you may defenses to the lawsuit. If you have not received a copy of the summons and complaint, then there has been no service and the clock is not running (yet). If you have a copy, then review it with a local consumer attorney for options. You can find one on AVVO.

Bankruptcy can do many things but one thing it cannot do is remove statutory liens - which are debts placed against property rights by state law. Sounds like this lien may be what is generally known as a mechanics, tradesman's or materialman's lien. You could attempt to structure repayment of this debt within Chapter 13 but I don't see this relationship between debt and house going away. Hope this perspective helps!

Ms. Bunce is technically correct but you may not understand your situation. You should have a CT attorney review your circumstances to help you see what options might be available to you. There are courses of action that might be beneficial to you. Good Luck.