If I am filing a Texas Chapter 7 Bankruptcy and I have a mortgage on a home that my separated wife and son live in, (and I don't live there, but visit sometimes, I rent another home), can I still claim the house as Texas Homestead Exemption? Do I need to file an Application for Residential Homestead Exemption with County Clerk before filing Bankruptcy 7? This is an Individual Bankruptcy 7, (ONLY MINE) my wife is not filing. The mortgage is in my name but my separated wife pays the mortgage, property taxes, utilities and everything. else needed. Is the Homestead exempt?