Unfortunately U cant file yet.. Usually 7 years later U may be able to. But now they add 1 more year so its 8 years. Just like they use to ask 3 yrs taxes,and now 4 years. In order to determine on which chapter it is to be done, is by taking the MEANS Test and see if ur eligible for that. it is the median income.
If you both filed taxes. then u both shud file the bk. So probably whats the best thing to do is to work with the people u owe ( Creditors)
OR consolidate the loan.

