,lately you only get ridiculed in sajha and all wannabes lawyers will google and paste what you should not do, they try to make it look like it's coming out from an expert too by using some common terms in the related field. I am not an expert on this matter, but  I am sure there are ways to work on the debt if it's not student loan by govt, or child support etc. credit card loans are unsecured loans and treated as open account which is limited by the statue of limitation in the given state. I had an American friend who used to be a recuriter for an IT company but now works at a call center and he filed a BK for 147 thou in credit cards and other debts. he came smiling to work and after few months he was even able to get credit cards. yes, credit card companies think you are less of a risk after say a year of filing bk and being responsible. its cuz they know you won't be able to file another bk for another 10 years.
i am sure there are ways. don't listen to some people who wait all day in sajha forum to discourage people on their information quest.

and people who tell you your future is doomed if you don't pay credit card bills or file bk in this country are some dangerous wannabes who must be in their first few years in the USA and reciting what they heard from their IPO or some neta types of seniors in their university. i know lots of Americans and Nepalis who have field bk or waited 7 + more years to repair their credit and they own businesses. BK is there to protect and bail out honest people who just can't make it. Don't feel bad to use it, these Banks get bailed out all the time from the tax they take out of you pay check every week.