bankruptcy chapter 7?

Living in NJ. My wife and i are stuck. She is due with twins while we already have my son so she will not be going back to work. We own our house and cannot pay our other bills with the loss of income. The loss is about 2200 a month. I have a second job on top now to just pay house car and necessities. We have to file but dont want to loose our house. We can keep it right? We also bought our house with no kitchen lived for 4 years as a slapstick one was in place. Then we finally got one last month charged not knowing we would be having twins and losing the income. Can this cause a problem how long do I need to make payments for something like that to be included in chapter 7 and not be hit with fraud.... oh boy life is tough right now!