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If you're bound and determined to declare bankruptcy, then you need to talk to an attorney. We're really not qualified to give you advice on that since there aren't that many attorneys on the board (although there are a few). The personal bankruptcy laws changed a couple of years ago, so most people here, unless they've been through it recently themselves, will only have out-of-date information.
If you're looking to solve the problem rather than run from it (as Ustwo mentioned), then I suggest that you find a local nonprofit that specializes in credit counseling and see if they can help you budget better and work with your creditors. Personally, I think that this is the better option since your situation does not sound like you're in serious trouble at the moment.
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"They that can give up essential liberty to obtain a little temporary safety deserve neither liberty nor safety." - B. Franklin
"There ought to be limits to freedom." - George W. Bush
"We have met the enemy and he is us." - Pogo
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