Im not going to comment on the offer from your dad. Because i just dont know what to recommend there.

But i can tell you about my husbanda bankruptcy.
He went thru a divorce before we got together and had almost 30k in credit crd debt.
He didnt have any mortgage, car loan, student loans etc. Just credit card debt from the divorce.

He got a great lawyer for $1200 who handled almost everything.

He showed up to court, it took 10 mins of questions from the judge and that was it.
His credit is fairly good now after a few years and he has no credit cards. His only debts are our 2 cara in both of our names. The house is in my name.

I guess if your debt is more complicated, then it will be a harder experience. And some debt cant go away with bankruptcy.

Also, claiming bankruptcy doesnt make you better at spending money going forward. It is a last resort.
I would recommend a professional who can help with budgeting and finances before any decision is made.

There is a government program you can look up that offers financial advice for $50 i believe. I called them once but didnt end up going. But they mailed me a form which had me break down all of my spending to the dollar so they could advise on how to do better with money going forward.

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