should I file bankruptcy and when?

[gregp]

I already received NOD, the foreclsoure is scheduled for May 2010. I'm trying a deed in lieu.
Now, if at anytime the bank tries a deficiency judgement against me, should I then file for bankruptcy? or should I file before?
Thanks.

[Coldplay]

If you already have a sheriff sale date then I would file now and include the mortgage in your petition. It will delay the foreclosure sale a little bit so you can continue to save some money for your new place. Stop paying if you haven't done so already. Best of luck to you.