My girlfriend and I are on a home loan together what will happen if she files for bankruptcy

In order to file bankrupcy, the Petitioner must disclose the total household income. If it is over the median income for that size household in your state, she may be prevented from filing Chapter 7. If she is planning to file Chapter 13, it may preclude her from a 3 year plan.

You need a consumer law attorney who is knowledgable in bankruptcy. The National Association of Consumer Advocates (NACA) is a non-profit consumer advocacy organization. NACA maintains a web site at www.naca.net where it lists geographically consumer law attorneys all over the US. If you don't already have an attorney, please look there for someone in your area who can help you.