Can't pay bills

Many people have lost their jobs and income as a result of the COVID 19 shutdown.  Hopefully, this will end soon.  Many creditors are offering options.  You just need to contact them and explain that you are affected by COVID 19.

Bankruptcy prioritizes debts. You should too when you work with your creditors.  You should know the difference between priority, secured and unsecured debts.  Simply put, credit card debt is unsecured and last to be paid.  Focus on your secured debt (home mortgage and car loans).  Deal with credit card debt later.

Another thing to consider is the difference between forbearance and forgiveness.  Forbearance just defers payment to a later date.  That is what is being offered now.  There may be other programs later.  But initially most creditors are offering forbearance.