You need to call and consult with a few attorneys that handle medical bankruptcies. I see filing on your own like going to the doctor without insurance. (Just something you don't want to do again.) :)
Most lawyers will require you to pay the full amount before they file for you, but they usually set-up a payment plan with you BEFORE you actually file. For instance, you make payments now through October and you file in November (after they have your information to work with for about 3-4 weeks). They do this to protect their butts. If you file bankruptcy, you are saying you will not pay any more of your creditors (you choose which ones) and they would become a creditor. I understand attorneys to charge around $2K to do the whole thing. You can also shop around. Ask what their straight fee is and if they have additional misc. fees. Two friends of mine filed near the same time and one paid a flat fee and the other paid a fee and copying fees, phone fees, etc.
Chap. 7 is to walk away from all personal and medical debt completely. Student or federal loans or taxes cannot be included. Chap. 13 is where your debt is consolidated and you pay an % of it.
If it is just in your name and you only do medical bills, your credit will take a beating, but your husbands will not (or so I understand).
Best of luck with your situation. Only you know after consulting attorneys what is best for you and your husband.