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Desperate Questions

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    Desperate Questions

    I would appreciate ANY help to my many questions regarding chapter 7

    1) home was bought with a "non-occupant co-owner" how would CH7 affect the cosigner?
    2) Would a "work out plan" on an FHA mtg. affect my filing and thus keeping my house? I am so afraid to lose my home that I worked soo hard for!
    3) Does bankrupcy remove leins (non-mechanic)from my property? I was alo told that becuase the property is co-owned that creditrs could not place leins on the property? How do I find out if there are leins?
    4) Any suggestions for "low cost" banrupcy organizations or any suggestions for those of us who have no $$ to file CH7 (ironic isnt it?)

    Thank you so much if you can answer some of these questions...they tend to keep me up at night

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