<prompt> Human: About a month ago my fiance and I broke up, we had both accumulated a large amount of debt through credit cards and I am currently struggling to manage everything. I have debated bankruptcy but I dont think it would be possible.I am currently 19k in debt with my bank for my car, which is new and required as I travel a fair distance to work. I have another unsecured loan for 2k through the bank. These loans run me about 500 a month.Easliy paid, but impossible to consolidate into one loan as I made the mistake of cosigning on my ex fiances car loan about a year agoAside from that I have about 20k in credit card debt between 9 different cards. 3000 of that I would consider luxury goods that I can do nothing about, I owe about 900 on the engagement ring Which I cant return and I owe 1600 on the furniture which was just purchased on a joint account and is also unreturnable.I have been sending my credit cards which run out of interest free periods to a company who handles reducing interest and making payments but I feel I am in over my head when I have a hard time buying groceries.My income is about 1100 every 2 weeks and my household bills add up to 600rent, gas, electric, cell phone, internet and my bank loans 500.In summary, Can I file for chapter 7 bankruptcy having 2 separate credit card with Luxury items and if not are there any other options I have in this scenario?  <response>: Bankruptcy should not be an option because you can pay your bills. You make 2200month, have 1100 in costs, plus CCs to pay down and food. If you spend 300 on food and 500 on the CC, you still have 300 free.Sounds like you dont want to make a budget. Make a budget.Pawn the engagement ring, pay off what you owe. If the furniture was just purchased you should be able to return it. Or at least sell it.Regardless, make a budget. Write all of your monthly income, all of your monthly expenses. Subtract expenses from income. If the number is negative, you need to make more or spend less. If the number is positive, then you have the ability to pay extra to your highest interest debts.STOP GOING INTO DEBT TO BUY THINGS. You had presumably 18,500 in CC debt and you bought 1600 worth of furniture. If I had that much CC debt, I would be at Ikea at BEST, probably using Craigslist. 