I've been through it. You can PM me, if you like.

Your doing the right thing by going to consumer credit counseling. That is now mandatory before you can even file for bankruptcy. (It didn't used to be.) Just make sure you are careful about who is giving you the counseling. It should be a non-profit agency. There are a lot of other "credit counseling" places that are basically working for the people you owe money to. They get commissioned based on how much money they talk you into agreeing to pay.

Bankruptcy can be a great tool for getting your life in order. A non-profit counseling agency will give you sound advice. Many years ago, it was an agency like that who actually persuaded me that I needed to file.

Save everything you get in the mail from creditors in a great big envelope. Don't let them intimidate you on the phone. Be polite to them, but remember you have no legal obligation to answer ANY questions they ask you on the phone. You have a legal right to stop any creditor from calling you simply by writing to them saying "Stop calling me." But they can require that in writing from you.

Good luck.