I’d contact every card and ask for some forbearance.
Many companies will work with you. They’d rather get smaller or delayed payments and lower interest than nothing at all.
Also, contact a bankruptcy lawyer. See your options.
thank you
My daughter-in-law drove my son to near bankruptcy as she handled all the finances in the family. We were called up there to try and resolve the situation, and had a treasure hunt in reverse. Every freaking drawer we opened had past due bills.
I spent the better part of the day calling and talking to these card holders and getting some pretty hefty discounts if I paid right away. There were times that I was amazed at how little they would take to clear the debt.
She was a past master at putting my boy down and at one point, when I told him he would have to act as an Old Testament ruler of the household, she leaned over, touched his hand, and said, "Dear, do you think you can handle it?" What chutzpah! I could have struck the woman, thinking that he sure as Hell couldn't have done any worse.
Any way, the smoke cleared, they resumed the marriage. She is back in charge of their finances now. I have written them off.