Bankruptcy in Arkansas?

I live in Arkansas and have recently lost my job and my husband and I are getting divorced. We have 1 child. We have a very large credit card debt load (30,000.00) that is all in my name. Our home is in both our names and we have a 29,000.00 home equity loan that we got back in Sept 06 so we do not have any equity left in our house. We are trying to sell the house right now but I am not sure if it will sell to pay off the mortgage and home equity loan. I am considering bankruptcy and talked with an attorney through a free consultation and I would qualify for Chapter 7 where it would wipe all my debt away. I know this is the worst thing I can do for my credit but it may be my only option. I do not want it to affect my husband’s (soon to be ex) credit so that he will be able to get things in case our son needs something. Would it affect him with his name being on the house or could I even file bankruptcy on the house too? Any information would be greatly¬†appreciated.

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