Youn must be truthful on a credit application. Don't over-think this. If the application asks for your mortgage payment amount, insert the amount you are paying for your mortgage.
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What is the question on the application (that you did not tell us)? What is the straightforward answer to the question? That is how to complete the application.
When applying for credit, one of the things they look at is your ability to make payments on the debt you incur. if you claim to have no payment for a mortgage or rent, that would be misleading. You should be truthful when applying for credit.
First, the firm is a debt relief agency according to the U.S. Bankruptcy Code. We help people file for bankruptcy. We also do other stuff and we do it well, but Congress wants me to post this notice. Second, nothing on this site is legal advice. You are not my client unless you enter into a written agreement signed by you and me.
You're not legally required to make payments.
If you don't, they're not legally required to remove their lien.
If you're making the payments, then by all means list them on the application.