Credit Cards Past Due - Need Advice about Credit Counseling/Negotiating/Bankrup... Please!?

have approx. 40k between 4 credit cards had before married. these credit cards in name only, not husband's. have paid debts on time , have never been late until past few months. past due 30-60 days , owe late fees , on limit fees , can't afford minimum payments longer. have been sticking head in sand financial situation 2 years , borrowing peter pay paul.

husband , jointly have home loan balance of 92k , home equity loan balance of 30k. our home worth 120k have no equity. current , have never been late on our mortgage loans. live in indiana.
husband has car loan in name only. current , have never been paid late.
husband has 2 credit cards balance of 11k. these current , have never been paid late.

work part-time making approx. $300-400 gross per month. trying substitute teach make more money.
husband works full-time , how afford make our mortgage payment, car payments , credit card payments on time. trying our best make credit stays good.
husband has credit score above 680. believe mine 640 until last few months - sure mine terrible due lack of payments.

looking advice. have tried negotiate credit card companies , offered send as can until can find higher paying job/more hours. however, not agreeing , won't stop fees/high interest rates accumulating. feel pointless send because balance gets higher after sending payment.

want pay obligations. have looked credit counseling until have more income, can't afford make kind of payments required. 1 counselor suggested file bankruptcy individually don't know if real option since married. husband's credit perfect , don't want risk credit.

if can/should file bankruptcy option, can still pay debt - on own terms can afford?

if don't pay credit cards, happen? can take house or affect husband's credit? if sue me, court allow me make payments can afford?

know lot of information , questions. appreciate help!!! stress of killing me. tired of worrying.

i have approx. 40k between 4 credit cards had before married. these credit cards in name only, not husband's. have paid debts on time , have never been late until past few months. past due 30-60 days , owe late fees , on limit fees , can't even...

Business & Finance Credit Next