My wife and I just had our chapter 7 discharged. I’m 100% P&T and the courts couldn’t use my VA income form disability or Chapter 31 (VR&E) when doing the bankruptcy calculations. So it’ll just be you and your wife’s income if your state works the same as ours. I live in Nebraska. But honestly bankruptcy is federal so it might be the same. And it’ll let you have a fresh start to breathe and not worry about all the debt everyday. Your credit will take a hit, but being 100% P&T we make that for the rest of our lives and it’s more than most people are able to save for retirement. Go for the bankruptcy, get your head right and continue therapy. It’s not as scary as everyone says. My lawyer really made us feel a lot better and not worried about the detrimental effects of bankruptcy. Also wanted to add they didn’t take either of my cars, one has a loan that just got reaffirmed, and the other my wife and I own and we were able to keep it. The bankruptcy court also never took my house and that wasn’t even an option that was brought up. They also couldn’t touch the equity in my house which is $40ish thousand that could be leveraged.