Bankruptcy & voluntary foreclosure?

Between major medical (cancer) and our business has failed so we are about to file Ch. 7. There is a 1st + 2nd on our house plus a business LOC has a 3rd place lien. All loans are current but between the 1st + 2nd and needed repairs we are under water on the house. There's a good chance the business lender will foreclose even though there's negative equity, so we are considering simply stopping making any more mortgage payments once the BR has been filed and save the money for a downpayment on a new home later. Obviously we have a poor credit rating now- our question is: will it hurt our chances even further of getting a future mortgage if we stop making payments during BR or does the fact of BR override any payment history? We are spending $2100/month on mortgages that are getting exactly zero ROI. Or if we go ahead and continue making payments until foreclosed will a future lender look at the fact that we kept up with the mortgages even through BR give us a better shot later on?