OK, well, FWIW the title asks for bankruptcy advice, so...

It wrecked havoc on my credit for a while. The irony is it's easier to reestablish credit after a Ch 7, which wipes out your debt but stays on your report for like 10 years, than it is after a Ch 13, where you actually pay back what is owed. Because you can't file Ch 7 very frequently (7yrs? 10 yrs? something like that...) I had to work hard to prove myself credit-worthy. Started with secured cards, and went from there. Keeping my auto loan helped tho. And it's been close to 20 yrs ago, so it's long since gone from my reports. It was painful...but if I recall correctly, the total payment to the bk trustee was around what I was just paying for my monthly car note. So it worked out for me. As always, your/her MMV

Research Chapter 13 bankruptcy. I did it years ago. It's kind of like a debt restructuring. I reaffirmed on my auto loan, which was for a Toyota I purchased new. The court basically took all my confirmed debt, lumped it together and divided by 60. I was able to pay it off early, and most importantly kept my automobile, which I needed to get to my job.

Start with the highest interest card and pay all the extra you can, while making the minimum payments on the other cards. When that's paid off...rinse and repeat.