<human>: Summarize the given text in a few sentences.

I'll give as much information as I can.  Feel free to ask for me if needed.

About 4 years ago shortly after I separated with my wife at the time I moved into my own place.  About a week later I was laid off of my job.  Economy was busted at the time it took me 8 months to find steady work.  I had no emergency fund so every credit card I had got maxed out.  I have also had an ACL surgery since then so there are some unpaid medical bills.  As it turns out now I am in debt $22,400.  I only bring home about 19,000 (about 24k gross) a year right now.  I am also a single father although my ex and I share the expenses and time with our son 50/50.  I also have about 20k in student loan debt that is still being deferred but they don't really pertain to the question of bankruptcy.  

Side note I have about $3,000 left over from my Tax Returns that I plan to put into an emergency fund or can be used to negotiate charge-offs.
<bot>: I have about $22,400 in debt and only net about 19,000 a year.  Should I file for bankruptcy?  Try to negotiate charge-offs?