If my home goes into foreclosure can my tax refund be seized and wages in the TX?

I started late on my bills because I was laid off from a job. I find it very difficult to pay my bills with little savings I have. I have 3 children. I have in my house for 7 years and I do not want to lose, but I had to. I am not yet in foreclosure, but it will not be long before it happened. My mortgage company not working with me and I called today the hope that has not helped. I fear that if there is a balance to the mortgage bank auctions off my house and I can not pay they are gone, my income tax on income will be garnished? I live in Texas. I know that bankruptcy will not stop the foreclosure, but should I file? I have no one to lend me money and my credit card is not good so I can not able to provide a loan. Any advice would be appreciated. Dank.Ich start late on my bills because I was laid off from a job. I find it very difficult to pay my bills with little savings I have. I have 3 children. I have in my house for 7 years and I do not want to lose, but I had to. I am not yet in foreclosure, but it will not be long before it happened. My mortgage company not working with me and I called today the hope that has not helped. I fear that if there is a balance to the mortgage bank auctions off my house and I can not pay they are gone, my income tax on income will be garnished? I live in Texas. I know that bankruptcy will not stop the foreclosure, but should I file? I have no one to lend me money and my credit card is not good so I can not able to provide a loan. Any advice would be appreciated. Dank.Weitere information: My house is worth less than what is on it I know I have a balance due. There is no justice, and I can not because no jobs and bad credit refinancing.

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