Bankruptcy Filing

My husband's business collapsed last year. We were facing a financial crunch for even rent. Have shifted to Vasai (Palgarh) from Mumbai. Over a period of time, I have accumulated a loan of 21 lacs on my credit cards - 70k EMIs (+31k home loan EMI). I am working as a freelance content writer and monthly EMIs is very hard to meet in single income. Is there a way I am eligible to apply for Bankruptcy. If yes, then should I apply from Mumbai or Vasai (different laws in both places). 1. I have a Pvt. Ltd. company (2017). Planning to close it. Couldn't set up the business properly due to a lot of factors. My income is less than 4 lacs annually (from company billing + freelance work). You think that is necessary for bankruptcy proceedings. 2. I have a home loan going on. Planning to shift it to my sister name because I am worried about my husband's liabilities (Partnership firm) might access my assets. We got married in Tirupati temple. Yet to have a marriage certificate but my name is there on his passport. Do you think his business loss can be recovered from me? 3. My health is not well and is unable to work much in such extreme stress, especially considering being in the creative writing field. Can join call center or some job but the income still will not suffice. Please guide on a best possible solution.