To file for bankruptcy it does not have to be a certain amount but a certain percentage of what you make/own. In my state there is a place called “We the People” they will help you file a chpt 7 for $199 without lawers. Google them if you can.

Also if your bills are current you probally will Not be able to file. You have to prove financial hardship.

If you want to keep your car you will have to file a chapter 13. Which means you have to pay off everything on a payment plan.

It is really simple. Most creditors do not contest bankruptcy. A few weeks after your bankruptcy is discharged (usually 3months after filing) you can apply for credit again. Creditors will be more than likely to give you credit because they KNOW that you can not file again for a number of years.
God Bless

Don’t assume that bankruptcy is the answer. First go and see a credit counsellor, most are free. They will look and everything and try to find a solution as they will contact your creditors and negotiate an agreement. It isn’t 10 is is 7 years.
Go and talk to your pharmacist about generic medications that are cheaper. No, they won’t take your car. Don’t get stressed, you have alot of option, what about child support?

You do know the govt’ will pay your child care expenses if you qualify and go out and get a full time JOB, don’t you?