We were told that both parties on the mortgage had to file, and all debts must be included.
Are you looking at a CH 13 or a CH 7?
I'm a big believer in checking in with a BK attorney or two. In our area, they typically do a free consultation. Make a list of your questions, a one page overview of your finances, and you'll walk out with a much better idea of what you qualify for, and how it will impact you. Makes for better sleep at night if you know your options and what's required. Totally helpful!
