Should I file for bankruptcy?

Hi! I’m 26F and I have 20k in debts between credit cards and loans… in 2024 I stopped to pay because my husband lost his job and I had to provide because it was hard to him find a new job, plus that we had marriage problems…. Now 2025 both have job but in between both we make per month like 4k, that goes to rent, gas, food, bills… now I’m being sued for one bank for no payment, they want me to pay $500, that’s impossible for me, I talked with the bank and I’m paying $200 as a “good faith” that isn’t an agreement for them… Not to mention that I still haven't paid the other banks and lenders. I’m seriously considering to fill for bankruptcy, my husband told me to not do it, but in the same way I don’t have a help of his side. My credit score it’s way too low for debt consolidation…. Should I file for bankruptcy? Thank you for your advice.