Can I file for bankruptcy again?

The answer is “maybe”.  Consumer bankruptcy cases typically fall into two categories:  Chapter 7 and Chapter 13. There is no limit on how often you can file but there are limitations on when and whether you will receive a discharge in your second or third case.

I would suggest that you not attempt to determine if you are eligible for a discharge in a subsequent bankruptcy case.  Due to the variables related to filing a second case (such as time, type, whether a discharge was granted in the first case), let the experts determine it for you.   In many instances, such as filing a Chapter 13 proceeding to save your home, a discharge may not even be necessary.

Should I liquidate my retirement account to pay my debts rather than file?

The answer is

Can I keep my retirement account if I file?

The answer is