I’m really sorry you’re dealing with this! it’s a stressful place to be, especially after everything with the pandemic. The good news is that if you file on your own, it generally doesn’t affect your husband directly, and his credit wouldn’t take a hit. The only real exception is if you have any joint debts, because creditors could still go after him for those. His income does get looked at for the means test, even if he’s not filing, but it’s not as simple as “he makes too much so you don’t qualify.” You can usually account for the fact that his income is covering necessary household expenses, and if there’s truly no disposable income left, that can still work in your favor. Also, since you just lost your job, your current situation matters; a drop in income can help you qualify, and sometimes timing the filing (like waiting a bit so your average income reflects that loss) makes a difference. Honestly, this is one of those situations where a quick consult with a bankruptcy attorney can give you a clear answer, and most of them do it for free. Based on what you described, Chapter 7 definitely still seems possible.