If you are pending foreclosure please make sure that you make me aware of that.  I realize this is a scary time for you. It was for me too. Just realize that knowledge is power and as long as you understand all your options it is not as scary. 
Would really like to know if Bank of America is who you are fighting.
Note*I do have some names of attorneys who have been trained in this particular area of bankruptcy and in the area of foreclosures. You may not have to file bankruptcy to save your home from foreclosure.*
These Attorneys  have taken additional courses both areas. The area why this site is here explains what could be done.
I do care what happens.  If I can help I will do so. I have been in this situation also.  I didn't know what questions to ask either.  So no question is silly.  If you don't ask you won't know. 
Bankruptcy is not the end of the world.
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