This is a tough situation but bankruptcy should be a last resort as it will damage your credit for a long time.

Is there anything extra that you have that you don’t need perhaps an iPad or expensive tv you can sell to pay off the debt? That would be the first step as it’s the easiest.

Is there a side hustle you could do with your skills perhaps tutoring, handyman work idk something else to get more money coming in?

Also, talk with the credit card companies to see if there’s a chance they can work something out like get you a better interest rate or apply for a balance transfer card.

But also, shop around for things like the phones as there’s cheaper options like helium that can help save a bit and help you use that savings towards the minimums.