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Late capitalism has turned US into hypnotized zombies. Not only is there a chicken in practically any pot with a car in virtually every garage, as a a cellphone in every pocket, schooling in every Suzie's and Junior's bedroom, and a t.v. each living room (and bedroom and as well as the kitchen.).
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Rather than have a personal bankruptcy on your own report, explore other sources of getting out of debt. If you own your home and have equity, look at a debt , loan consolidation with the home as secured. Now you should only do this if experience are secure in your employment. You do not want to put your home in risk. By using your home to secure a consolidation loan, you may well be able to deduct the interest rate payments from your income tax return.