I’d buy an hour of time with a bankruptcy attorney first. Have a complete financial profile of your current situation for him to review. He can help you plan your best course of action. At a minimum, you’ll find out if BK is your best course of action.

You can find a few bankruptcy attorney ratings on Yelp: http://www.yelp.com/search?find_desc=bankruptcy&ns=1&find_loc=San+Diego%2C+CA