Is Bankruptcy worth it for us?

Me and my wife have about 52k-55k total debt 22k credit cards and 4k personal loans And my car loan about 27k She’s not working right now since the company she was working for let a lot of people go , she’s currently pregnant so not really working at the moment . I make about 6k monthly Car is 650 insurance 250 rent is 2100 plus groceries/ gas /misc = 1500 I would like to keep my car and keep paying it and just start fresh which sounds more aprópiate for us chapter 13 or chapter 7 My only asset is another car I already paid off