Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
Since you had those mortgages before you were married, they are considered to be "separate" debt, and your husband would be insulated against any liability for those debts, which can be eliminated in a Bankruptcy. You can file the Bankruptcy at any time to effectively eliminate the mortgages - before, during, or after a foreclosure and/or judgment. However, to prevent garnishment (of wages, bank accounts), it is usually a good idea to not wait too long after a judgment to file.
I think this is basically what you wanted to know. If not, please let me know.
Thanks for the complement!
Where have you lived for the past 2 1/2 years?
Dec 2004 - April 2009 = Utah
April 2009 - Nov 2009 = Idaho
Nov 2009 - May 2010 = Utah
May 2010 - present = Idaho
If the above time line is correct (or close), you would have to file in Idaho, but you would have to use the Utah exemptions, which you can view here: