Which chapter of bankruptcy are you thinking to file (7 or 13)?

In chapter 7 you do not have to pay back. 

Is it all credit card related?

If it is only credit care related then you credit card company will work with you. They will setup payment options for you so that you will not have to file.

Do you really think that you wanna file bankruptcy for 14K? 

And also if your are a citizen and planning stay here, you should avoid bankruptcy and find other options.