100% declare Bankruptcy.

You have no assets, and your unsecured debt exceeds your income.

Your monthly interest accruals are probably close to $2000. That's like 25% of your take-home pay, without even touching the interest.

Car insurance is for when you fuck up and are at-fault in an accident. Bankruptcy if when you fuck up financially and can not afford your debts and are insolvent.

Stop throwing good money after bad... file for bankruptcy and in a few years you can come out of this relatively unscathed.