I would strongly suggest not filing bankruptcy over 11K. What is your yearly income? If that amount was like 5 years income I would be like maybe but bankruptcy is not a smart way to get out of a 11K debt.
Call the lease agency and see what payment plan you can set up even if it is for a longer period. They have the car so they can re-lease it or something to lessen their loss. But if they know you had to let go of the car because you could not make the payments maybe they will reduce the rate and make the payments longer so that they get their money and you can make the payments (even though you no longer have the car).
What doe your husband think of you filing for bankruptcy?
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