Does bankruptcy stop the use of that persons income to do a loan modification?

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Question by TiredOfFemaleTechsOnMaleExams: Does bankruptcy stop the use of that persons income to do a loan modification?
Two people get a home loan, one goes full chaper 7 wipe out bankruptcy due to medical bills and major health issues. Co-borrower is determined to keep the home, and wants a loan modification. Does the bankrupt borrowers income still get counted even though that borrower is no longer legally responsible for the mortgage ?
NOTE: Borrower and Co-Borrower are NOT married.

Best answer:

Answer by Landlord
The only way the borrower got out of that mortgage was to surrender the home, if it was not surrendered, and obviously it was not, they are still liable for the mortgage.

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