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I know nothing of your personal circumstances, but until covid, I worked for a bankruptcy attorney here in Wisconsin. Have you considered talking with an attorney to see if there’s a viable route out for you? Most bankruptcy attorneys will offer a free consultation to go over your situation and discuss options. If you do go that route, please be sure to talk with more than one attorney, I’d recommend a flat-fee attorney, and be sure it is someone who would complete the paperwork for you - not just hand you a packet to complete yourself.
All the best to you, and hugs to remind you that we support you. 
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