Chapter 7 or 13 ?

If you want to extend your time in house and see what the Mortgage company is willing to do, then you need to do a 13. If you want to just...

The trustee will not take it. But you do need have your attorney file motion to approve.

Yes. It counts towards qualifying you.

Is it possible for me to file bankruptcy without involving my husband?

He does not need to file with you, however his income does count for your case to determine what chapter and if you would be required to pay

Should my mom file bankruptcy and if so, can I help her with this process if I have POA?

Short answer is yes. Want to make sure there are no other assets, but it sounds like mom can file a ch 7 BK and if you have a POA you can sign the...

If I don't get a modification during B/R Ch. 7 and it's a Freddie Mack loan, would I still receive protection from a deficiency?

Yes as long as you don't sign a re affirmation

Can I insist my attorney reopen my case on the basis that he neglected or refused to include legitimate income in my schedules?

You can ask. If he does not want to you can try yourself or find another attorney.

Can I file for bankruptcy to try and get my life back?

Yes you can. You need to speak to an attorney

I might add I am going to be 77 Is there anything I can do for them to drop the amount?

You are liable if you signed a personal guaranty. That being said you should consult with an attorney to discuss what your best options may be.

Am I entitled to pay the lawyer?

If it was for a bankruptcy, and you have no agreement, you can list them when you do file, but in reality, the attorney, will most likely just not...