So sorry to hear of this dilemma.
If my answer is not clear to you or does not completely answer your question, please ask me for clarification by using the reply button.
You may want to consider a chapter 7
A Chapter 7 bankruptcy could discharge (erase) all of your unsecured debt such as credit cards, judgments and medical bills. It would be an opportunity for a fresh financial start.
You may have to surrender assets, if any, that exceed your exemption. However if everything you own is exempt, you should lose nothing but your debts. In Washington State $125,000 in equity in your home is exempt from creditor claims
Here are the exemptions for Washington State:
Please use the REPLY button if you have any questions concerning my answer. Otherwise please click ACCEPT so that I am paid by the site for answering.