Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
So sorry to hear of your situation.
A repayment plan of any type does not seem to be in your best interests. You can consider filing a Chapter 7 bankruptcy.
A Chapter 7 bankruptcy may help you with your financial problems.
A Chapter 7 bankruptcy could discharge (erase) all of your credit card and any other unsecured debt. Hopefully without the unsecured debt you would be able to pay your mortgage. It could be an opportunity for a fresh financial start.
I hope that the information which I provided was helpful to you.
Best wishes for a successful outcome. If you have additional questions, please do not hesitate to submit them to me directly.
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