I would really avoid bankruptcy.....I know $3000 may seem like a lot at the moment but in the big picture it is actually not that much. You are both quite young and to have bankruptcy on your heads at such a young age would be quite disabling in your future finacial situation.

Ring all the ppl you owe money too and work out payment plans, sit down and work out how much you can afford to pay back even if it only $10 a week, some companies may take this...

You can still get married and look forward to starting a family with payment plans....

Good Luck.....