Nerdwallet published the best article about bankruptcy that I've ever seen. Take a look and see if it applies to you.
"Bankruptcy isn’t the end of the world. It may even be good for you [your credit score]."
“Within a year, you’re way better off [your credit score]”
"An end to collection hell"
"Better access to credit"
"Recognize an impossible situation, deal with it and move on"
"Don’t wait too long"
"We advise debtors in over their heads to investigate bankruptcy first"
Read the entire article here: http://tinyurl.com/hshn644