Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
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What is the current market value of your home?
What is the balance on the mortgage?
If you file a Bankruptcy, you will be able to keep your home if you do continue to pay the mortgage. A Bankruptcy will discharge your obligation to pay the mortgage, so there will be nothing the mortgage company can do to you if you stop paying, but you can continue to pay it if you want to.
And of course, your obligation to pay the credit card debt will also be discharged.