Thank you for your response.
Unfortunately, if you file bankruptcy, the motorhome and IRS refund are assets of the bankruptcy estate and as such would be used to pay the bankruptcy estate debts as much as possible before the debts will be extinguished. I am afraid that the line of credit secured by the house is not likely to be extinguished because it is a secured debt, so they will likely get that reaffirmed or they can seek to foreclose on the line of credit.
Because you have assets and he has a good income, you are also going to need a debt/asset ratio calculation to determine your qualification for bankruptcy to begin with. Also, because you have some assets, you may want to try negotiation on the medical debts first as many times medical creditors will negotiate those bills down by a substantial amount if you keep on them and continue to push supervisors for help and you should really try this first if you have not done so already.
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