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Chiming in here - I'm so sorry you have found yourself in this position, but InsaneCdn is right.  File if you need to.  Talk to the attorney, but you may be able to re-affirm the debt on your car and keep it.  Move to a cheaper housing if you can.  Tell your daughter you're sorry about the car but these things happen and your kids will be fine.  Maybe she or her fiancé can get a loan and buy the car?  I assume there is a debt on it?  Maybe she can take over payments.


At a minimum, get to a credit counseling agency that can negotiate with your creditors.  Just make sure you find a reputable one.


Personally, I'd stop paying everything but my living expenses, my counselor/psychiatrist, and my bankruptcy lawyer.  When the creditors call - and they will - tell them you are filing bankruptcy.  Get yourself a clean slate.


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