I cannot believe that you are asking questions regarding bankruptcy instead of being able to live your life and pay your bills. You were mislead into accepting a loan that you could not pay back. You were seduced by the idea that you could afford that home that you never thought you would be able to afford. You were deceived by professionals who had a facility with money and numbers that you could not imagine to compete with. You were duped! And you have been duped all the way to the bankruptcy courts. Sue the bastards! Why are you accepting this fate? Why are you taking this lying down! Punch back. We have a huge rip off that has happened in this society, this culture. The guys who did this to you, to all of us, are getting away with it. You actually voted for the people who created the deregulation that brought on this rape of our economy but that is another story is it not? In the meantime, spend your time not just moaning about your fate. Be proactive. Get in touch with the American Civil Liberties Union and pursue a course of legal challenge. This will lead you down a different road.