Am I being a fool? Due to job loss and a bad divorce attorney I have accumulated big debt to survive the past 8 years...

My expectation is that short of bankruptcy or a windfall, you will be cycling through this for a lifetime. You need to look carefully at whether you have any way to get to a point at which there is progress on the debt. Doing this with a third-party may be helpful. I know there are excellent financial education and counseling programs offered in your area at Willow Creek Community Church.

Reviewing your situation for bankruptcy would involve more questions than can be covered within the scope of this site. This space does not afford an opportunity to assess the situation and adequately advise you. I recommend you assemble for legal consultation: (1) your income information for October through March, including wages and unemployment during that period; (2) all your bills (several months' copies neatly assembled); (3) last four years' tax returns; (4) a credit report; and (5) other information that may apply, such as copies of lawsuits. Set up an appointment at your earliest convenience to afford the most opportunity in which to be advised about your best course.