<prompt> Human: Over the last two years, me and my wife have accrued a total of 12,000 in credit card debt through medical bills, car, etc. Together we make a little over 30kyear. There is absolutely no way we can pay this dept off. The 300month to keep the credit cards at the same level is no longer sustainable. Credit counseling takes 50 a month off the bills, but is not helpful beyond that.40 years old, we have a house mortgage, outright own our car, live week to week with our bank accounts. If we didnt have the 300 bill from credit cards I believe we could actually save some money, but we are both stressing about this and at the tipping point. At this time in our lives, credit scores are not an issue. We are probably not moving within the next 5-10 years. We have a car. Also, all the debt is in my name. So, right now our options being considered:Dip into my 401k current 50k, apply for hardship and I should hopefully be able to early withdrawal enough to pay the bills.Declare bankruptcy? I dont know what that entails. But Im sure our credit will be screwed.Ignore them, dodge the credit cards and let them come after us. Again, credit screwed for 7 years? I believe my 401k and the mortgage is protected. Whats the worst they can do?Thoughts or advice?Edit: State is Michigan.  <response>: Between two people there has to be a way to bring in more than 30kyear. It would be a travesty to declare bankruptcy over 12k of debt.Also, please post a complete budget! 