You sound like you need to talk to a bankruptcy lawyer soon. If there is little value in the mobile home it may be an exempt asset or less legal terms - it may be safe from the bankruptcy court. Also, I am concerned about the timing of filing for bankruptcy. Usually you want to file when things start looking up. In other words, with no jobs or income you will end up in the same situation as you are now. When you apply for jobs and if they check your credit be truthful and explain that your husband has been out of work and that your business was no longer profitable. Most employers will understand. Where you will get into trouble is if you try to hide your credit issues or fabricate and explanation. You are not the only one in this situation right now. Unfortunately many people with very good credit are finding themselves in serious financial trouble and are resorting to bankruptcy. Again, please think about the timing of filing. You really may want to wait until you have jobs. Hang in there!
Please note that although this answer may provide information concerning potential legal issues, it is not a substitute for legal advice from qualified counsel. You should consult an attorney for individual advice regarding your own situation. Answering this question does not create any attorney-client relationship between you and Kelly Zinser, Partner at Olenicoff & Zinser, PC.