If you've got a credit card problem (and live in the USA), think very seriously about filing - NOW.
Individual circs may vary, so consult a lawyer. But it's highly likely that if you're sweating to service your debts, "going chapter" (as an old Texan friend of mine says) may make your life a lot easier, and with fewer side-effects than you may fear.
Doug
PS: You can't discharge student loan, tax, or mortgage debt, so bankruptcy won't help you there. But credit cards, absolutely.