don't file bankruptcy...it's terirble for ur credit and wll stay theere for 9-10 yrs, just call the creditors and ask for long term hardship program, for eg wellsfargo has hardship prog which offers reduced int rate includeing 0% and it waives all late and ovrlimit fees...similar programs are offered by other creditor.just talk to tham and see ur options..they want to cut their losses and more than likely they will work with you...going to be tough to get anything if u file bnkrptcy