Re: Question about ch 7 - but I want to keep my house!
I am just giving my opinion and am not a lawyer. But the house is what is choking you financially so unless you are totally in love with it sell it ! even if you have to short sale it. The short sale will ding your credit a little but the BK 7 will desroy it. Then work on the credit card debt to pay it off in 2-4 years and you can get another home. Bankruptcy is no joke and it takes a toll on your mind, body and spirit !
When in doubt talk to a BK attorney and he will advise the best route for you.