i dont think i have posted to you, but i have read your situation.
if u are a dr, most likely u will not qualify for chapter 7, which means u would meet chapter 13, which does not relieve u of debt, just gives u a payment period, along with the credit hit of bankruptcy.
there must be another option.
maybe settling by giving her the house is best, financially speaking?
i live in ny too, i see u are struggling with the system here.
me: 31 H:29 Son:5 m:8 years in november t:10 years first bomb: 10/06 moved home: 3/08 out again 5/08 ow bomb: 4/08, since summer 06 d filed:6/08, on hold 6/08 moved home:3/09 out again 5/09