Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - I have a debt and it is so much that I can't see a way out. How can I know if bankruptcy is right for me? - I owe $30,000 in school loans, $13,000 on my car, $5,000 on credit cards, and $20,000 to family. I don't even make $20,000 a year right now. I was also needing to know if when you file bankruptcy if they will pay back like family loans and stuff. If I try to get a job and I have bankruptcy are they less likely to hire me? -