Debts can cause a lot of stress and it is true that over half the divorces in the world are due to some type of financial reason. This is not good because money is supposed to be a tool we use and not our master. It is necessary to get your financial situation in check and that might mean filing for bankruptcy. It just depends on your situation and what you are after.
Do not allow your debts to cause you and your family problems. You have way too many options to help you get through your situation and into a better place all together. You can use a debt service, file with an attorney for bankruptcy, or put together a plan to pay off your debts yourself.
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It is really up to you what you do, but if you have a large amount of unsecured debts you might be better of filing for bankruptcy. This is something you can do if you are in a situation where you have to get out of your debts soon and you see no other way. Unsecured debts are the type that do not have a car or a home attached to them so if you file you will not have to worry about losing anything you need.
The real key is whatever you decide to do you need to learn from the mistakes you have made and make sure you do not make them again. This is important because you do not want to file, then end up back in the same situation a few years later. This would be more destructive than constructive so you need to find a way to learn how to manage your money better.
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