You did not mention how many you are in your household, which has a bearing on which median income to apply for your particular case. In California, for example, the median income for a 2-person household is $63,030, for 3-person is $67,401, for 4-person is $75,656 and an additional $8,100 for any additional member in excess of 4.

Assuming that you and your husband’s income do not fall within the median, then the next thing is to do a means test where it could be determined if you do not make enough to pay for your debts and qualify for Chapter 7. If you still do not qualify for a Chapter 7, then maybe filing for a Chapter 13 is your option.

The computations may be complex so call the nearest expert bankruptcy lawyer in your area for a consultation.