I would say "no". realistically you would only be filing for $6,000 in medical bills and $5,000 of revolving credit - for a total of $11,000. You could add the $11,000 auto loan for a total of $22,000, but then you would have to give the vehicle back to the lender. And even if you added the vehicle, I would still say "no".

$22,000 isn't a very large debt. Try to pick up a part-time job and apply that income to the credit card until that balance is zero. Once the credit card is paid off, apply the income from the part-time job to pay the vehicle loan off. And then move on to paying the hospital and doctor bills off.

Bankruptcy is a disaster on a credit report. You may think that your credit is ruined, and it may be, but late payments on a credit report look better then a bankruptcy. When a lender looks at a credit report and there is a bankruptcy there, they see another lender has lost money and they won't want to take a chance with you. When a lender sees late payments, they know that a lender has made money off you because the lender attached late payment fees and a higher interest rate to your account.

Remember, the bank is a business, they want to make money, not lose it.