If you are considering bankruptcy you should investigate all the alternatives before you file. Foreclosure may not mean bankruptcy: it depends on your situation and the attitude of your creditors.

The best advice I can give is to consult an attorney. An initial consultation is usually free and that should set you on the right path. Check out this website.

Good luck!

get local legal or accounting advice.
This will effect the all of your life for years to come.
Don’t depend on armchair opinions to get by.