my bad, i didn't read your original post

Since Taxes is a community property state, and court may see that you and your hu*****and are solvent for the debt, since you have investment and savings. It is better to work out a deal w/ the creditors first such like consolidating the debt via either your investment money or house equity loan before filing for BK. I don’t think you have a case here. Disclaimer: These are my personal opinions only, i'm NOT a lawyer.