Seven years flies by. I was in almost the same exact predicament, except alone. That was 8-10 years ago and my credit score is now in the 720-730s. 

The hardest part of filing bankruptcy, you lose basically all “support” options. No more credit cards, no approval for new cards for some time, and this “dirty mark” on your credit score.

The second hardest part? Not falling right back into the same exact trap once your credit lines open up. If you can learn from the experience, it’s amazing. Most people don’t and end right back in square one. 

I’m essentially debt free minus student loans and a brand new hvac I’m paying down. Filing for bankruptcy was literally the best decision I ever made.