Veteran needs assistance with a chapter 7 bankruptcy involving a home surrender. Client is his early 40s, and is married with children. They are currently 12 months behind in their mortgage. They are have accepted and come to the difficulty understanding that they will need to surrender their home, and are seeking the assistance of attorney to navigate that process. Client also owns a vehicles for which they owe approximately $19,000 and is currently behind in his payment. If possible, they would like to keep the vehicle. Otherwise, client has approximately $2,000 in unsecured credit card debt. Client's sole income is his veteran disability income.