Hi - my name is Kirk and I'm a Bankruptcy litigation attorney here to assist you.
Bankruptcy law is primarily federal law, so it's pretty much the same process in every state. The biggest difference is property exemptions, which are set by each state. The property exemptions for South Dakota are here: http://www.bankruptcylawfirms.com/resources/bankruptcy/exemptions/south-dakota.htm
If you can't make your payments, the only bankruptcy that will help you is a Chapter 7, which is a complete discharge of debts (except student loans, some taxes, child support obligations). Here's a link that explains a Chapter 7: http://www.uscourts.gov/FederalCourts/Bankruptcy/BankruptcyBasics/Chapter7.aspx
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