My husband started a company and was lent the start-up monies from my mother-in-law's line of equity from her home. The company has since closed and we have struggled to make her payments for the past 6 years with the balance not going down at all (interest only loan), We are currently filing bankruptcy and are wondering if we include this debt in the bankruptcy would she be left with the burden of this debt? We have made all payments, and claimed on our taxes for the past 6 years. However, it is in her name as it is own her houses line of equity. We are paying big $$$$ and it is killing us! Even with the bankrupty, we will have bills like rent, utilities.... this large payment is like having 2 morgages! Any suggestions?