Snwboardladyyy Asked: Should i file chapter 7 in California?

Your Open Question:

Should I file chapter 7?

I just had a baby and I had a vehicle repossessed that I still owe $15500 on about $9,000 in medical bills and credit card debt…I barely pay my bills to get by every month so I've let everything but one installment loan default. Even that loan is $400 a month. I don't make enough to repair my credit…so don't know if I should keep struggling and have my debt get higher or just accept I need to file chapter 7?Any advice is appreciated