Assuming that your wife is not obligated on the loan agreement and promissory note concerning the home that you are writing about then under the laws of all states in this country since she never signed any loan agreements then she would not be obligated with respect to the home that you own if it falls into foreclosure and is lost at a trustee's sale.As to a "means test" concerning your anticipated bankruptcy filing, you will be required to submit all required schedules under the bankrupy code to achieve a discharge of your legal debts.