Bankruptcy! Chapter 7 or Chapter 13?

Bankruptcy!!!! What is the best way to go? Do you file for it or not? This is truly a hard decision to make. I worked very hard all my life. I did the best that I could. I finally got my credit score to an appropriate rating (compared to what it had always been). I could live with it. I was finally making it to where credit was extended to me almost anywhere. Then due to some unforeseen circumstances… I had to stop working. Now I am still not working and deeper into debit. What should I do? There is no way that I can repay any of the debits I’ve accumulated in a reasonable amount of time. My phone is constantly ringing with bill collectors. How does one rectify this situation? Then how do I decide if I need to File a Chapter 7 or Chapter 13? This is all so confusing! What should be done? I will do some research on this subject and get back with you.