Just a question about bankruptcy,need reasurence?

Just need reasurence from somebody with nothing to gain or lose by their answer..In 2006 right when everything started to crash,we bought a mobile home at 18 years old.It has a double car garage,a shed,and an 8th of an acre .We're paying 95,500.Now we're a little over 20grand in debt.Plus we're four months behind in our morgage payment,they want 3grand by the end of this month or their gonna start