Yes, you can file both joint and individual credit cards in a bankruptcy. You will need a bankruptcy lawyer to go through the process. You will need to have the $10,000 in debt - remember that medical bills can also be included. You will be asked to list all assets and liabilities. There are different types of bankruptcies too - ex, Chapter 7 or Chapter 13 - the difference being what is included in bankruptcy or if it's a partial where you only pay back a partial. There are alot more questions and details - that's why you need a lawyer. Good luck in your endeavor!