Under the Federal Bankruptcy Code, you must list every asset in which you have a legal or "equitable"(i.e., "fair") interest.
Under Cal. Family Code Sec. 910, spouses are jointly liable for any debt incurred by either spouse during marriage. And under Fam. Code Sec. 750, and 770, any property not acquired before marriage, or during marriage by gift or inheritance, is community property.
So, it doesn't matter whether or not you are on title or the loan. What matters is whether or not it was acquired by your husband, either prior to marriage, or during marriage by some means other than gift or inheritance. If it's not acquired before marriage or a gift or an inheritance, then it's community property and you must list it.
Which probably will ruin your whole day, so I apologize in advance.
You may want to consider hiring a bankruptcy lawyer. See: http://www.abanet.org/legalservices/lris/directory/main.cfm?id=CA
Hope this helps.
Terms and Conditions: By your continuing in this conversation with me, or by your clicking “Accept”, you are expressly agreeing to all of the following: (1) our communication is for entertainment purposes only; (2) you are not consulting me in my professional capacity as an attorney; (3) you do not seek to establish an attorney-client relationship with me, nor do I with you; (4) you will not rely on anything I say and you will obtain appropriate legal counsel via a traditional/office consultation with an attorney licensed to practice in the jurisdiction where your legal issue arises (and you may not use our communication to avoid taxpayer penalties imposed by the U.S. Dept. of Treasury); (5) by communicating with me in this public forum you are irrevocably waiving any right to privacy, confidentiality and attorney-client privilege concerning the matters discussed. You further separately declare that any payment made by you is not consideration for this contract, nor offered for any services rendered by me on your behalf, but rather is made in genuine admiration and respect for my desire to help others. If you do not agree with these terms and conditions, then you must advise me immediately.