It sounds like things are going pretty rough for you right now, but there is always some place to count a blessing.
I would first recommend doing whatever you can do to boost your income. if that means delivering pizzas on nights/weekends then so be it. Many debt issues can be solved by bringing in a little extra income every month and setting up payment plans with creditors.
I see filing bankruptcy as a last resort. That said, from what you posted you would probably meet the criteria, but you should speak with a qualified bankruptcy attorney.
It is generally advisable to file bankruptcy jointly.
Bankruptcies stay on your credit report for 10 years, so getting loans after a bankruptcy is always going to be much more difficult. My advice would be to buy what you can pay cash for, especially after filing bankruptcy.

