If I file bankruptcy can i keep my house and redo my loan?
you will not be able to refi for 7 years, after 7 years the bankruptcy is supposed to come off your credit report. Whatever you do, don’t default on your mortgage. Bankruptcy will not eliminate your debt, it is supposed to restructure it. If you are able to repay your debt you may be able to have the bankruptcy removed from your credit before 7 years have passed.