<human>: Can you provide a brief overview of the text?

I know I'll get the typical "just pay your bills posts" but whatever. I'm just not 100% sure what to do.

I got with my fiance 6 years ago. We hit a lot of rough patches, we lost our home due to unrelated circumstances. We got a new place and I got severely injured from the job and I was fighting workmans comp from an awful large retailer known for their shitty service. They refused to send me my checks, always forgot to send them. I'd receive them after they would void out. Anywhore; that caused us to lose the next apartment and move to a new one things were okay I was getting my pay regularly then my roommate announced she was leaving the day after my paychecks stopped coming. I struggled alot and ended up moving back up with family to a different state. 

We racked up debt with multiple banks when we'd overdraw really badly to just pay or bills. My fiance has a 30k loan from Wells Fargo for school we have random bills from cellphone companies, medical bills, other things like that and a 13k loan from Capital One for our car which I need for my job. I have a 45 min commute to work and I just got back on my feet with this job. My fiance does not work ATM due to some medical reasons but that's neither here nor there [for the concerned he has an interview tomorrow] 

Should I just stick it out and worry about paying my car loan back up to date or would bankruptcy be a better idea for the both of us. [The car loan is in both of our names] 

We've also been getting letters in the mail with a business card for a Personal Investigator addressed to my fiance with a case number written on it and saying "Please call". I really don't know weather to call or just .. ignore it.
<bot>: I take home 35k a year. Debt: 30k from college, 13k loan from car and possibly ~5k from medical and cellphone bills. To file for bankruptcy or not?