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..
Bad credit does not disqualify me from here www.rtloans.com Any thoughts on fast cash loans? help/opinions/ideas expertise from you guys would be appreciated..

Thank you!