I want to respond to Annette's answer and your reply. Many good people have found themselves in similar situations requiring bankruptcy due to failures of a business, loss of a job in this economy, health and marital issues. Once you find yourself over your head financially you can continue to struggle against a burden you can't overcome or take the legal option of bankruptcy.
Bankruptcy does not make anyone a bad person, but it will carry consequences for a while. Because some who were irresponsible and just overspent on luxuries and vacations lenders want to allow time before they take on someone who just walked away from previous debt. For conventional financing the minimum is 2 years and to obtain a loan then you will need to re-establish some credit. This is best done by getting a secured credit card from your bank or credit union. Pay your utilities on time, use and pay off the secured credit card every month, keep any other bills outside the BK current and you may be able to get conventional mortage loan or HELCO in 2 years. If you delay in getting your credit re-established it will take longer.
If your injury is resolved and your kids are doing well, you can find yourself back in a little while.