<prompt> Human: Hi PF, long time lurker, throwaway account, and generally terrible at money. Ive always seen good info and a respectful community in here, so I wanted to ask yall a Real Serious Question before I start to schedule time with a bankruptcy lawyer.I have always had good income 95-100kyear, mid-30s and thanks to this plus irresponsible spending, I have around 60k in credit card debt. Over the last 6 months, I simply stopped paying the minimums as well.40k of it is at BoA where they let me onto a 4 interest plan for 2 years that supposedly stays the same if I dont miss a payment. It is very affordable month to month as a minimum, but I am far from seeing the light at the end of the tunnel for actually getting it paid off. They were pretty generous IMO.20k of it is at Amex where it is in collections and I havent mustered up the testicular fortitude to call them yet, but I will.I make 150kyear right now just normal FTE W2 wages at my very stable job in a state with no income tax WA. My only tangible asset is my car, which is worth 22k and I owe 1 more year of payments on it 7k left on loan. I have never missed a car payment and plan to pay it off, but could be talked into selling it and not replacing it; I can live without a car.My parents, but mostly my dad, in his infinite generosity, has a bunch of stuff setup in my name. I am a part-time owner of an LLC all of his kids own part of -- this may be worth money somehow in the form of some long-term investment I do not know. He has also funded a Roth-IRA for me since I turned 18 that has a little under 200k in it right now. I am also the co-owner on a couple joint brokerage accounts that own small-ish amounts of stock 5k-10k. There is also a 401k that I know even less about. Hes into playing all the financial games and spent 40 years practicing medicine so he could afford to be extremely generous, but now he is retired and has become much stricter about money in general, even though everything he started for the kids including myself is still being funded year to year.I am not into playing any of the financial games and generally suck at all things money.I am thinking about just declaring bankruptcy to get rid of all of my credit card debt and be banned for all things credit for 7 years. This is okay with me, credit cards only lead me to trouble, and my livingwork situation is stable, plus I have good cash-income and a couple of willingqualified co-signers if I needed something big.My big concern is: if I declare bankruptcy with all of these assets my dad has traditionally setup and managed and funded for me, especially the Roth IRA, is it going to impact them in such a way that I need to involve my dad in every step of the bankruptcy process? Or are these assets protected?I have done the math on just paying off the debt and, while it is far from horrible, I live in an expensive city and dont want to change much about my money-wasting lifestyle, so I think Id rather just expunge all of the credit card debt as quickly as possible, even if it means living the next decade without any credit what so ever. I can deal with that. More so than I can deal with trying to grind away at the debt.But, on the other hand, I dont want to fuck up all of the extremely generous things my dadparents have setup for me, which have always been black boxes of money to me that I just blindly sign the occasional form for, and, if I really want to, can login to various accounts and see the balances. But Ive never touched them.Any light that anyone can shed on this would be hugely appreciated.TL;DR: lots of CC debt, good cash income, thinking about bankruptcy to kill CC debt, dont care about having zero credit for a decade, worried about IRAs and possibly 401ks and brokerage accounts my parents have funded for me my whole life.Thanks for reading!  <response>: Its upsetting that declaring bankruptcy was one of your first thoughts. You literally just need to get your shit together, and if you do it now before it gets worse it wont be that hard. Lots of people have even more debt than this at a much lower income bc of student loans alone. Just... make a plan and also get a reality check quick. 