You may want to check out Dave Ramsey--he is a financial counselor who works from a very strongly Christian perspective. Your words on the moral issues of bankruptcy sound as if they were drawn straight from Dave. He often counsels people regarding ways of dealing with the issue of overwhelming debt without having to go into bankruptcy. He has a web site: http://www.daveramsey.com/
To what extent this will help in your situation, I cannot tell, but I have found him to be a remarkably good guide, filled with all sorts of common sense. May God be with you as you struggle with this problem.
