CASE 4You have lost your job. Your wife doesn't earn enough to pay the bills. You have a professional qualification but the job market is tight in the pandemic and you cannot see when it might return exactly but are convinced it will in the next couple of years. You are missing house payments but it should just be a matter of time till you are back earning again. People are threatening to sue you. What do you do?

What steps might you take in this situation? If these do not work which bankruptcy chapter might best apply in this case?