My wife and I have mortgage together. But my wife filed for chapter 7 BK. Her debts were discharged and her mortgage obligation were ended. Now I am the only one who is making the mortgage payments. Then I applied for loan modification without including my wife's income because after her bankruptcy her mortgage obligation was discharged. But the bank told I have to include my wife with me on loan modification because she is living with me in the house. Is this True? The bank is the Wells Fargo. Please respond ASAP. Thank you.