At your local book store or on the internet you should be able to order a bankruptcy book from NOLO publishing that is easy to understand and has forms in it for simple BK filings.
If you file chapter 7 where your debts get wiped out, your credit card debts will likely get wiped out but if you keep your home, the mortgage debt stays with it. If you give up your home, the mortgage debt gets wiped out also.
If you file chapter 13, where you agree to pay back some or all of the debt on a payment plan, the credit card debt will get reduced to cents on the dollar, but you will still have to pay the mortgage in full and keep your house.
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