Hi Heather.cs
from what I have researched you do not necessarily have to lose your home - especially if it is in negative equity. I am sure one of the experts will be around soon to give you the right answers.
Are both of you applying for bankruptcy? Do you have any equity in your home?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
If there is equity, and you have been married for some time (or even living together prior to your marriage) you could have developed a beneficial interest in the property by way of the financial contribution you may have made into the property. Always best to take legal advice on this just to be sure.
