Or you sell the house yourself (if you can, in the present market) but if you have a good reason for making yourself bankrupt, it may not be worth the bother of trying. Of course, to go bankrupt you have to be insolvent, so you have to be in arrears with some debts and there is little point in throwing good money after bad, so - if you are completely certain that bankruptcy is your way ahead - you might as well stop paying the mortgage anyway. At least, you can then use some of the money saved to pay the bankruptcy fee.