Bankruptcy for only repo'ed car, a single cell phone contract and medical bills?

Scrappysmomma

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My husband had a car repossessed in 2004 and the balance owed on the loan was about 15K. He had a cell phone contract for about $600 and several medical bills. Is bankruptcy our only solution to resolve this negative history? I have no good credit and only medical bills outstanding.
We do NOT own any credit cards at all and have NO loans of any kind. The only bills we have are utilities(light, phone, cable, cells) and living(gasoline, groceries) expenses.
 
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