??'s on bankruptcy

We are a young couple that has a large amount of credit card debt ( approx $35,000.00) The majority of it is in my name only, probably about 25,000.. We also have a small home equity loan on our house. We have never been late on a mortgage payment, home equity payment or on the lease of our car. We tried to refinance the home equity loan to a large amount and do a debt consolidation, but were not approved. We also know that we will want to sell our house in the next few years and get another one. My question is this, how hard is it to get a mortgage once you file bankruptcy? Also, if I file under my name only and wash out only the bills in my name, would that be better since we know we will be needing a new mortgage? If we do decide to file jointly, could we charge off the small home equity loan that we have ( it is about $12,000. and our home is worth about $105,000) without losing the house? Any advice you have is greatly appreciated!

I fogot to add that we live in NY.

[I AM ALWAYS LIABLE]

<BLOCKQUOTE><font size="1" face=" Arial, Verdana, Helvetica">quote:</font><HR>Originally posted by cld1030:
We are a young couple that has a large amount of credit card debt ( approx $35,000.00) The majority of it is in my name only, probably about 25,000.. We also have a small home equity loan on our house. We have never been late on a mortgage payment, home equity payment or on the lease of our car. We tried to refinance the home equity loan to a large amount and do a debt consolidation, but were not approved. We also know that we will want to sell our house in the next few years and get another one. My question is this, how hard is it to get a mortgage once you file bankruptcy? Also, if I file under my name only and wash out only the bills in my name, would that be better since we know we will be needing a new mortgage? If we do decide to file jointly, could we charge off the small home equity loan that we have ( it is about $12,000. and our home is worth about $105,000) without losing the house? Any advice you have is greatly appreciated! <HR></BLOCKQUOTE>

My response:

You would do well to obtain a free consultation with an attorney. You have too many questions, and their attendant nuances, for a bulletin board.

IAAL



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