<prompt> Human: It just occurred to me that maybe my husband and I should file bankruptcy. It would be a last case scenario because it sounds horrible and terrifying but now Im wondering if its recommended in our case? We have approximately 13,000 in debt, do not own a home, and do not have a vehicle financed. My FICO score is 620 - it has slowly increased from about 590 in the past year or so. I am not positive as to what my husbands is but I know its not any better than mine.Our debts are: Sallie Mae Husband 3757Care Credit Husband 444Citi Joint 3880Capital One Mine 918Capital One Husband 109Chase Husband 390CitiBest Buy Husband 240We also have a couple of medical bills that have been sent to collections that will fall off between 2020 and 2022. Also, by December I will have approximately 5000 in subsidized student loans when I finish my degree.My husband just got a new job and is making 70,000salary, up from 50,000. I am not working right now ETA: We have 2 young kids, both with mild special needs. Now that we have more income coming in were planning on paying down our credit cards first. Most likely well start with the smallest and snowball. Also, I hope to be working by spring of next year but my income will probably only be around 30,000yr due to my field.Is paying this stuff off doable or should we start clean?  <response>: Your husband makes 70k a year and you are thinking of declaring bankruptcy over 13k in debt?No. Just. No.Pay down your debt. You can get a job too, right? No matter where you live in the United States, you can live off of 70k and pay down your debt. 