Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
Based on your situation, you will want to consider a Chapter 7 bankruptcy.
A Chapter 7 bankruptcy could discharge (erase) all of your unsecured debt such as credit cards, judgments and personal loans. It would be an opportunity for a fresh financial start.You appear to not lose any of your property due to the available exemptions.
Best wishes for a successful outcome. If you have additional questions, please do not hesitate to submit them to me directly.
Thank you, FLAandNYLAWYER