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My husband and I own jointly three houses. They are all mortgaged and we are both on the notes for all of them. One is our primary residence. The other two are rentals and we do receive income from them to cover the mortgage expense. All of the properties however are underwater - some deeply. I do not have any credit card debts, just the mortgages. That is why I do not want to file. He has over 40,000 in credit card debt. That's why he is filing. He wants nothing to do with the houses but I want to keep them. If he surrenders the houses in his Chapter 7 bankruptcy, will I still be able to keep them if I'm making the mortgage payments every month?