I was a homemaker for 27 years. Now divorcing, my only asset is my home, owned jointly but my spouse has agreed to give it to me in the settlement. I am currently unemployed. We have an estimated 50, 000 in equity. The defaulted cards are in my name. I have someone willing to pay off the mortgage in full, about 65, 000. Do I have ANY hope of keeping it? Bankruptcy would take it, right? I defaulted on the cards probably in late 2010. Three of the cards have high balances, the others, a few hundred. Is there any hope for me?