Call the credit card companies and tell them to close the accounts.

Ask the credit card company to speak to the debt settlement, loss mitigation or hardship department.

Tell them you want to pay the amounts owed back, but if they are unwilling to negotiate amicable terms you will be forced to file chapter 7 bankruptcy, in which case they will receive nothing.

Ask for an installment agreement for 700 a month over 10 years. This would be better than claiming Bankruptcy, in my opinion.