DON'T 申請個人破產!

Don't go bankrupcy unless you absolutely know what it means and absolutely sure it is what you want.

Credit card debts are UNSECURED DEBTS. It means credit card debts do not hold anything as collateral. They can't come after your personal property. All they can do is ruin your credit report, and that's much better than bankrupcy showing up on your credit history.

You can always negotiate with credit card company for lesser amount, payment plan, partial payment, etc. If you owe them $30k for 4 years they would be extremely happy to get back $10k.

You can always despute with credit agencies about your negative tradelines.

Do extensive research on the web. There are numbers of discussion forums about credit, finance, and debt collections. I recently used these information to resolve an old medical bill and bumped my FICO score up 60 points.

Get a labor job. Make some cash.

Good luck.