declaring BK is a very big and costly step - and one that should not be considered lightly. it should be your very last option and no where near your first option.
first, go to the local library and ask if there are any community self help programs (free) to help guide you through the best steps to take. Go see that organization and see what guidance they can offer you.
then, call the company with the biggest debt and see if they are willing to negotiate anything; be prepared for that card to be turned off. if successful, go to the 2nd biggest one, etc.
lastly, line all the debts up and after paying the minimum on all the debts, begin to pay down the debt with the highest interest rate
find a way to cut your spending habits. Cut up all the credit cards and begin paying cash (debit card) for everything
sorry you are in this situation
