<prompt> Human: My husband died very unexpectedly last year. He was the main breadwinner and took care of 85 of the bills. I have had a tough time adjusting. I have debt. I think too much to recover from. I have been contemplating bankruptcy but not sure if its the right choice. Current debtsCc1 1244 41mCc2 832 25mCc3 2166 68mCc4 2950 77mCc5 288 25mCc6 1747 13.95 54mAll the other cc are over 20 interestPersonal Loan 5092 16.99 190Secured loan 6983 2.53 167Auto loan 9843 12.98 342 car current value is 4500Rent is 950Heatelectric avg 125 combinedInternet 110 need high speed work from home occasionallyDaycare varies JuneJulyAugust 195 per weekOther wise 60 per weekCar insurance is 200 per month accidents on fileCar gas is about 100 per monthFood is around 300I have 3000 in a savings account that I keep for emergencys. After taxes I take home 1700 biweekly.What do you think?Edit : update with monthly paymentsAssistant: You should get social security payments for your child until they are 18 assuming your husband was the father. Have you looked into that? It could help pay for daycare.Human: He wasnt her biological father. So no payments because we werent married for at least 9 monthsAssistant: Are you collecting child support from the father?Human: No I am not. He does not have a job. He never has. Its always been self employed I am not sure what they can award when he states his income at 0  <response>: Some states have need-based programs that require you to have first requested child support. 