If you are on the deed, is it safe to assume that you were part of the MPDU qualification process? Or did you add it on after you settled on the MPDU?
If you were on from the beginning, you are a qualified party. Your attorney should manage the property through divorce, and you can continue making payments until you refinance the property.
Are you able to afford the current mortgage on your own?
If your name is on the Deed to the house, any bankruptcy filing will stop a foreclosure sale by the bank. If you want to keep the house, a Chapter 13 bankruptcy case would give you a chance to begin making the regular monthly mortgage payment but you would also have to have a budget with some money left over each month to pay to the Court in order to repay over time (perhaps over 5 years) the mortgage payments that were missed -- called an "arrearage". I have practiced in the field of bankruptcy law for more than 33 years.
This response is not legal advice and does not create an attorney-client relationship between you and my office. At this point in time, I am not your attorney and you are not my client, nor does this response substitute for an in-person or telephone consultation about your specific legal issue. If you wish, please contact my office at 410-625-2300 or by email at email@example.com. I would be pleased to discuss your concerns.
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