You need to contact a bankruptcy attorney but if you decide you would like to have your mortgage loan modified before the bankruptcy, you may qualify due to your hardship. You should do this before you file because the credit card debt will contribute to qualifying you. Once the mortgage has been modified, you can file bankruptcy and "reaffirm" your mortgage to keep the house out of the bankruptcy. You are allowed to do this in order to keep your car, home or any other debt that you would like to continue to pay.
Should you decide to modify your mortgage, it can be done quickly, just call 1-800-557-1467 ext 4 to get information. They are A+ rated and an Accredited business that is listed with the BBB.
