Thank you for your question. I am happy to assist you.
There are distinct differences in between a Chapter 7 and a Chapter 13 bankruptcy.
A Chapter 7 bankruptcy could discharge (erase) all of your credit card debt and other unsecured debt. It would be an opportunity for a fresh financial start. However, if your mortgage is behind, you cannot use the Chapter 7 to reinstate your mortgage.
A Chapter 13 bankruptcy could reinstate a mortage that is in default. However, it may require that you repay some of your unsecured credit card debt.
Legal Aid can assist you. I suggest that you give them a try.
I hope that the information which I provided was helpful to you.
Best wishes for a successful outcome. If you have additional questions, please do not hesitate to submit them to me directly.
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THIS IS FOR INFORMATION ONLY. NO ATTORNEY-CLIENT RELATIONSHIP EXISTS. PLEASE CONSULT A LAWYER IN YOUR STATE FOR LEGAL ADVICE