so im very behind in alot of credit card bills..

mortgage is good
maintenace is good – have a coop apartment in NYC.

havent opened bills in months..
has anyone here been in a situation where you are being sued by cc company? or 10% will soon be taken from your pay check through court order .. i think a marshall..

would filing bankrupcy help me at all at this point?
How does one even begin the process of filing bankrupcy..
Help/opinions/ideas expertise from you guys would be appreciated..

Thank you!