Hi,
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It would depend on what can be worked out. I would get with a bankruptcy attorney to see what can be done. The other issue here is that if the fiance does file, your talking at least 2-3 years that they can apply for a mortgage, and that’s assuming they’ve rehabbed their credit. If you try to refi or buy, you will have to do it on your own, the bankruptcy will be a big red flag to the lender. Good luck

You should discuss that with a bankruptcy attorney “before” she files to see what your options are, because once she files, the bank legally may not be able to discuss it or send statements.