newbie questions

[blncd1]

Alright, I tried to find the answers but no luck so you guys are stuck with me!
Our attorney meeting is next week so i can't ask them yet.
1. How long before filing 7 do you need to stop paying cc, can you be current?
2. Once filed does the mortgage get notified and do they become nasty? Meaning we were in lost mitigation got a 6 month "mod" until terms go back, so will they file foreclosure sooner?
3. I noticed at the county court records that wells fargo recorded our default on both me and husband (we knew this) then i looked at the rescinded paper document and it only has my husband on it. SO, technically could they foreclose on me quicker? I have called wf to have them fix this and believe me they are a bunch of liars so i doubt they will do anything.
4. If bk and foreclosure is necessary, do you feel relief once over or is there residual "do they know" "i am a failure to my kids" paranoia still happening? It is SO stressful.
thanks for listening!

[nerves]

1. How long before filing 7 do you need to stop paying cc, can you be current? You can be current but if you know you are going to file, you could using those funds more wisely for neccesities. If you have any recent charges, balance transfers, cash advances, etc, then you will want to continue paying on them for 90 days after the charges and longer if they are large amounts
2. Once filed does the mortgage get notified and do they become nasty? Meaning we were in lost mitigation got a 6 month "mod" until terms go back, so will they file foreclosure sooner? I have seen posts that the mod will be null if you file before receiving. My experience with my mortgage lender after the fact was not good but it was with another mortgage company than WF.

3. I noticed at the county court records that wells fargo recorded our default on both me and husband (we knew this) then i looked at the rescinded paper document and it only has my husband on it. SO, technically could they foreclose on me quicker? I have called wf to have them fix this and believe me they are a bunch of liars so i doubt they will do anything. Not sure on this one.

4. If bk and foreclosure is necessary, do you feel relief once over or is there residual "do they know" "i am a failure to my kids" paranoia still happening? It is SO stressful. You will feel a relief after the stress of how am I going to get myself out from under all the debt. You will be able to use your energy for positive life effects when it is over. Your kids will be much better off in the long run.thanks for listening!