house and bk

You should be alright. If you file 13, you will most likely include them as a secured creditor, and stick them in Paragraph C of your plan to make payments directly to them (instead of through the trustee).

Chapter 7's may be a little more tricky. That is becuase if your home had substantial value/equity, the trustee would generally want to sell off assets for the benefit of the creditors. However if you have no equity, I'm pretty sure you can simply re-affirm the debt and keep making payments.

It really depends on what state you live in. Different states have different exempt amounts for your home. Without any equity, it probably would not make any difference in a Chapter 7, but if the payment is too high, the trustee could object to you keeping the house.

what would be to much , i pay 1076.00 and bring home 2400.00 in a month

The best advice I can give would be to get a consultation with a local attorney. He could give you the best idea of what the judges and the trustees look for in your area. I would say from looking at it, that your housing expenses are probably too high based on the standards that the courts use, but again, a free consultation with an attorney would be your best option.