Currently at a loss and feel helpless

I have been the main financial overseer for my family since my wife and I got married 5 years ago. In that time we have gone through the credit card debt-> consolidation loan -> back to credit card debt cycle twice. Each with horrible arguments and broken trust. We are now at a tipping point with a large personal loan and a high credit card bill.

We bought a house 3 months ago so we don’t have much equity in it. But we are absolutely spinning our wheels and I don’t know that we can get ourselves out.

She is unaware the severity of the situation and it’s time I come clean. But I just don’t know if we have any solutions. I feel like Chapter 7 is in the cards but I am so afraid to bring this up with her.

I don’t know what to do