Long story short my house foreclosed a couple years ago. I do not know the exact date but I am finding out the exact date tomorrow. I want to move on with my life. I was 18 young and dumb and made a big mistake and bought a house with my BOYFRIEND... yes stupid I know. Hes now my ex and almost 6 yrs later I am engaged and have a 10 month old daughter. Anyway my question is this: Should I file bankruptcy? I have NO credit card debt. I have student loans but I am still in school and they are not a lot ( I know they cant be included just giving yall and idea of where I stand debt wise). I have a car that I have only 2 late payments on and I can afford it just fine. The only reason I am considering bankruptcy is I am sure the house did not sell in auction for what was owed... so that means the mortgage company can come after me still right? And garnish my wages etc?? If I file bankruptcy they wont be able to right? But if I do file bankruptcy I will be starting back at square one. Ugh I am so upset and frustrated. Sorry for the rambling I just need advice. Thanks so much in advance.