I Live in Michigan and want to file Bankruptcy. Im married . Can I alone file without my husband? I have $20,000.00 in Debt that im unable to pay. Now i have interst and late fees add to that. The only joint debt we have together is our house. I owe about $40,000.00 . I dont' want to claim my house, Just my unsecure debt ($20,000.00) All if which is credit cards. Can anyone please give my some advice? And roughly how much does it cost to file Bankruptcy?