You likely didn't make the decision to end your marriage because your spouse is such an amazing person. Instead, there are probably issues present that make it difficult for you to remain in a relationship with that person. Unfortunately, a difficult spouse is almost certain to make life difficult for you during the divorce.
Feeling like you are drowning in debt is one that you might not be able to overcome. For most consumers, there are two options for filing bankruptcy. These are Chapter 7 and Chapter 13, and each has its own guidelines.