why can't I file the interest on home ,if I'm in bankrupcty

If you are in a Chapter 13 case, a good argument can be made that you SHOULD be able to deduct the interest for your payments you are making. A good article on this subject can be found here by my friend Cathy Moran. Ultimately, this is a question for an accountant or tax professional to assist you with.  You shouldn't be taking tax or legal advice from your bank or any other creditor. Mark Markus has been practicing exclusively bankruptcy law in California since 1991.  He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization,  AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.