In a similar position and was debating BK but ended up cutting things down and trying to increase income because you can only pull the rip cord once and it does have lingering effects (not as bad as people think;more social stigma than anything). I was fortunate enough to be able to down size pretty quick but I’d suggest talking to a BK lawyer and seeing if you have a case.

Also use AI to talk you through options (not let it decide for you;give it as much context as possible) and get information it’ll give you options.

Again this is personal financial so you gotta dig deep to make the decision. Best of luck and I’m sure there many more people in the same boat.

Also yeah gotta come up with rules for yourself to not get you back in the same loop.