Best Option...Help

Here is my situation. I have a mortgage with HELOC. The balance on my mortgage is $68700 and the HELOC si $36000. We recently moved into my mother's house, because she moved in with her new husband. Her home is only 9 years old compared to my house wich is 32 years old. We do pay her a monthly rent, we pay the taxes and the home owners insurance, which comes to about $600 month. The mortgage at my house(which includes taxes and insurance) is $588/month and then i pay between $140-180/month for the HELOC(paying intrest). So far i am current on my mortgage and HELOC. I have credit card debt around $13000, student loans $14000. I am planning on putting my home on the market but the assessed value has dropped, even less than what is was when i bought the house in 2002. I would need $105000 to walk away clear, but the assessed value is now $83000($93000 in 2002) and I know I will NEVER make enough on the sale of the home to cover the amount on the HOLEC. I would however, probably make enough for the first mortgage to be satisfied. What are some of my options? Can I file bankrupcy without my spouse? The house and the credit cards are my debt, we have no credit accounts together. Should I stop paying on anything, to make it easier for settlements. At this point I just want to be rid of the house. Renting it is not an option, due to I would have to put more money into it to rent it out, and it is in a very strict deed restricted area and I wouldn't want the stress of the possibility of getting taken to court by a home owners association. thanks in advance