Open Question: Should I file for bankruptcy?

My spouse and I hit most $25,000 in assign bill debt plus $25,000 in machine loan debt. We hit no late or uncomprehensible payments so our assign is clean (both of us hit assign ratings of 692). We don't own a bag so we can't verify equity discover of a house. We continue to clear the peak on our assign game apiece period as we can't give to clear such more. We've been in this status for most fivesome eld today and the assign bill debt isn't effort better. Instead of action for college for our kids, swing absent towards withdrawal and action to acquire a home, we're meet swing money towards monthly peak payments (about $1,200 a month). We're basically throwing absent over $14,000 a assemblage meet on peak payments. We've proven effort a individualized loan to consolidate debt but haven't been healthy to because our assign game are every almost maxed discover which lenders don't like. I'm intellection most contacting a insolvency attorney but poverty to undergo if there are added options first. I've also researched debt compounding programs/companies but it sounds same our assign could be undone meet as intense as if we enter for bankruptcy. Is insolvency belike our prizewinning solution?
No Closing Cost Home Mortgage Refinancing