I agree with Ms. Smith. Unless you have a way of paying off the loan or arranging a short sale, your former boyfriend's bankruptcy is going to impact you, as well.
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Great question. Unfortunately I see to many similar situations in my law practice. Your question did not specifically say, but are you on both the mortgage and deed? If you are on the mortgage, then the bank will discharge him in a Chapter 7 and likely turn to you for the money. Obviously, this could cause problems for you. I would suggest speaking directly with the ex and to discuss his intentions and how it may affect you. If this cannot be resolved on your own, then most certainly contact an experienced attorney to discuss your options. Hope this helps. www.bankruptcy-toledo.com
The aforementioned "answer" is not considered to be legal advice. You are advised to contact an experienced attorney for legal advice pertaining to your specific needs. Furthermore, the above does NOT constitute an attorney-client relationship. France Law Group is a debt relief agency and helps people file for relief under the U.S. Bankruptcy Code.