I own a home that is worth less than 1/2 of what I still owe. I am in a new job and making less than when I bought the home and so can no longer afford the mortg., yet selling will not help. Can I declare bankruptcy to get out from under this lopsided motgage? I have no other major financial issues other than the house. Also, while the house is in both my name and my husband's, he is not on the loan, so how will this affect him and his credit?