We are probably going to file for bk. The problem we have is--one car load and one cc with the same cu. Not bad there but we also have a home equity with the same cu. can the home equity loan be used as cross collateral against out cc and car loan or can we just claim the cc and car loan. we are trying to keep the house because we have it for sale right now. (we live in michigan if this makes any difference) we are so confused even after talking to 2 lawyers because we get different answers. can anyone set us straight on this. we have another appointment with the lawyer today.