SMARTFINANCESOLUTIONS.NET - Foreclosure/bankruptcy?

Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Foreclosure/bankruptcy? - I've searched 19 pages of answers, did not find anything. My wife & I have jobs. We have 2 kids. Wife has amassed lots of medical bills, due to 4 hospitalizations. Had Credit-card debt also, but not enormous. We have not paid hardly ANY medical bills in about a year, and no payment on credit-cards in that same time. We had retained an attorney, because we wanted to file for bankruptcy. Now...almost 1 year later, (still have not used c.cards, or paid med bills) we want to include the house in the bankruptcy. (Unfortunately!) I've just re-financed several months ago, and can afford the mortgage...however, our home is 20 years old, in need of many repairs, (roof, siding, windows) and insurance is not covering some damage we have to our house....Our mortgage is not quite 1 month late. Any advice? We just want to let it go -