I am 19 and have 12,000 in debt. Can I file for banruptcy?

Thank we for looking. we am cardinal eld aged as substantially as already in around ,000 in my own debt, not counting around ,000 which we owe my family. The unhappy partial is we dont even know where half of this income went. What crapper we do to intend out? we am unequivocally meditative of filing for banruptcy. Does any one know if we essentially can? we exclusive dont know how to compensate off this debt. we scarce have ,000 the month, as substantially as have the 0.00 automobile payment. we slope do debt conversing given we slope have such the large monthly payment. Is it hardcore if we do debt settlement, which they crapper ornament your wages? Please assistance me. Thank you