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cdiddyjr

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am i able to keep my house and file bankruptcy?

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Your best source of information on this would be a bankruptcy attorney.  They often give the first consultation for free and at that, they often offer better solutions that might be so much better than filing bankruptcy (which hurts your credit for the next 10 years).

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You still have to make house payments, you're not going to get the house free & clear.  Your BK trustee will make small payments while you are in BK, but once you are dismissed, discharged, you're going to have a HUGE backlog of past due payments and you'll have a nightmare of a time catching up.  If you don't catch up, then they'll foreclose on you, which will hurt your credit.  Don't file BK, find another way.  Ever borrower I've had that filed BK ended up losing their house through foreclosure once their BK was done.

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