You've raised a number of issues. Go see a local bankruptcy attorney immediately! Most will provide a no cost consultation and can give you some much needed information.
Bottom line is if you can't afford to make the payments on your home, filing bankruptcy won't change this. It might buy you some time or impact your mortgage. You don't say if there is only one loan or several on your home.
If you file bankruptcy it would be a chapter 7 or 13. In a chapter 13 it might be possible to work something out to save your home and it might not. Chapter 11 is for businesses.
Go see an attorney with all your information and get specific information.
