Yes, you should file asap or you really have nothing (anyone can file before you) - Cure!!! 

Since filing separate tax returns could increase your taxes, a "post nuptial agreement" would allow you to still file jointly but distinguish the properties for your other situation.

Filing jointly just makes this messy.

Now I'm in a LOT of debt and everyone around me has been telling me to file bankruptcy.

Their quoted fee: $5,000 — and that’s just for the strategy itself, not actually filing the taxes.For context: I do not file my own taxes.

Just for the FWIW file.

For me, it's meant:No alarm clocksWorking from anywhereUnlimited time with family (yes, even the 𝗈̶𝗎̶𝗍̶𝗅̶𝖺̶𝗐̶𝗌̶, I mean, in-laws)Being present as a dad and husbandIf you’ve been stuck in analysis paralysis, waiting for that “perfect time” here’s your reality check:Spiking inventoryHousing sales at 20 year lowsPrice reductions everywhereSellers can’t sell, buyers remain on strike.This is when you step in and get involved.

I have not purchased any occupied properties because the risks involved seem too high.

In one he checked the box on the application that said he or no entity he was involved with had ever file for bankruptcy.

Additionally, we use a Security Agreement, which further ties the collateral to the loan, especially if there is personal property involved, and defines many other loan requirements.