suggest me the best solution
I have 4 major cc debt of 13K, personal loan of 15K and 10K of store cc and 209K of mortgage. I am self employed and facing with real difficulties. I am 90 days behind with mortgage payment, 60 days with 3 cc and paying minimum amount of others. My monthly expense is 4K including utility and others. Even with debt settlement i can\'t pay full but \'ll try with monthly payment. Should I go with bancrupcy?