Immediately contact the National Foundation for Credit Counseling at 80-388-2227. That will connect you to the nearest local office. You can trust their advice! They are either free or very low cost. If you can avoid bankruptcy and maybe work out a payment plan through them, they will do that for you. Or they will refer you to a bankruptcy lawyer.
Either way your credit will be impacted, but the high interest rates will eventually destroy your ability to pay, so better face it now.
Please write back and let me know how your session goes. They will do it in person or over the phone.