my ex was awarded the house. Because of the negative equity, I was stuck with the remainder of our joint debt. Our decree states we are to "hold harmless" each other from the divisions of debts as well as credit rating. I'm now in a position where I need to file bankruptcy. I'm worried my ex will sue me for our joint credit card if they come after her. My bk lawyer says I have nothing to worry about because she failed to meet her obligation first by not paying on the house and forclosing on it. I must also add that I'm including the mortgage in the bankruptcy because they are threatening to garnish my wages. Is my lawyer right? Does her not holding me harmless from the foreclosure nullify my requirement to hold her harmless as a result of my bk?