"I can't pay my bills. I feel like such a failure."

Feeling like a failure and being one are not the same thing.

Not being able to pay all your bills doesn't make you a failure.

Filing bankruptcy doesn't make you a failure.

Whether or not you are a failure depends upon what you do next.

You're only a failure if you suffer a setback, and then don't learn from it.

You're only a failure if you suffer a setback, and then just give up.

The only real failure in life is the failure to get back in the game and keep trying.   "If at first you don't succeed...try, try, again"

Here's my advice:

Don't give up. Accept your losses.  File bankruptcy, if need be, and then get back in the game.

The successful person is not the one without setbacks. All successful people suffer setbacks, and many times, complete setbacks.  That's life. The difference is that the successful person is the one who learns from those setbacks, doesn't give up, and who then gets back in the game.

Remember, a rich man is just a poor man with either more income or less expenses.

Filing bankruptcy may not give you more income, but filing bankruptcy is the quickest way to end up with less expenses, and less expenses lets you more quickly get back in the game.

Life if short. Accept your losses. Learn from your losses. File bankruptcy, if need be, and then get back in the game.

Think bankruptcy, and give yourself a chance to..."try, try again".