COD and tax return

Mr. Oney is correct. Another hint - it is one of the choices in question number 1. You need to write the amount in the box on line 2.

Discharged in chpt 7 house was included, still current with payments but thinking of relocating, never reaffirmed loan.....

You are rightly concerned about new financing. You should secure your next loan before you default on the current one. Because you are right, the...

My name is on the mortgage and deed, but my partners name is on deed only.

Your partner owns part of the property. You may be able to bring a partition action. In court, you can claim an offset for your contributions,...

I need help with a modification of my loan

You need to consult with an attorney who handles modifications. You risk the loss of your home if you do not.

Can I get my ex partner to pay back the HELOC?

You can sue her for conversion. Make sure your attorney knows the bankruptcy fraud rules so that it can be plead in your state court action,...

I have the original deed to my house,should I have any problem selling it?

A deed is a piece of paper. What the words on the deed say is what is important. If by having the deed, you mean that the property was granted to...

Do all fees associated with bankruptcy be paid up front including attorney fees?

In a chapter 7, all fees must be paid before filing - otherwise the unpaid portion would be a debt that will be discharged in the bankruptcy -...

Discharge of loan - Bankruptcy

Whoever is interested in keeping the property will have to pay on the loan as agreed, or the lender can foreclose against the property. Sounds...

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Loan modification

It is impossible to advise you on such limited facts. Sounds like you had an interest only loan and now it is adjusting to amortize over the...

Will it be wise to get divorce and then handle my money problems?

I agree, and generally recommend bankruptcy before the divorce.