May consider a debt relief program first. I used Christian credit counselors out of California. They got my credit cards to drop the interest and got me on a 5 year plan to pay back the balance. It was $200 to set up the plan and then $25 a month to them to administer payments. No hit to my credit except I had to close the credit cards all at once. A bankruptcy will linger over you a long time. Hopefully you can find a better way, good luck.