Is filing bankruptcy as bad of an idea as I think it is?

Is filing bankruptcy as bad of an idea as I think it is? I (23f) am considering filing a chapter 7 bankruptcy (reside in GA). I currently have $26,392 in personal loan debt due to my ex & have around $3500 in credit card debt (which at this point will probably increase as I don’t think I can afford the minimums for all the balances). I cannot recoup these costs from my ex as even if I were to try to s...

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