I would talk to a good credit councelor first. My husband and I had $80,000 unsecured debt and $20,000 in back taxes and we were earning less than you.
We will be out of debt in June which will have taken us 4 years. They also set you up on a five year plan only you don’t have the cost or fees of a lawyer and it doesn’t affect your credit so negatively.
Before you do any form of bankrupcy, check out Dave Ramsey’s plan….it really does work.