Is it true that Chapter 7 bankruptcy will not erase the mortgage?

With an income insufficient to pay the current mortgage and 2nd mortgage discharge and bank not willing to offer help, what are my options? Debt than the other is about $ 9000 on a car loan and $ 3,000 on a credit card. If bankruptcy mortgages are not then it seems silly to do the small amount of files on my other debts. We tried to sell our house now for 6 months with no luck. We pay for our health Cobra. That comes first, because my daughter two years and I both have serious health problems. What do I get rid of the house? What happens in the case of a foreclosure sale? I always thought that Chapter 7 bankruptcy, it is clean, wipe even mortgages. Can anyone offer advice? Thank you.

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