Hello, I am facing a forclosure on my home, my name is not on the note, the note is in my X-husbands name to the mortage company, however; my name is on the mortage and the deed. I live in the home, where I run a state liscensed daycare. Can I file a chapter 13 on my own to protect my business and home? Or because my name is not on the note to the mortage company, could this be agrued. In addition, the mortage company is Washington Mutual, would there laws apply or would Michigans laws apply? And what are those laws?