Yes, unfortunately, you may have to consult with another bankruptcy attorney on all of this.  I would, however, shop around and see what each says.  And in this day and age sometimes cosu

The Bankruptcy code permits people to obtain bankruptcy protection where they cannot pay their debts when they become due.  The court generally looks at your month expenses and assets on hand

You might be able to re-affirm your mortgage under these circumstances; however 2 years is about the maximum for something like this.  In order to do so you will have to make application