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Advice and Info on outstanding credit card/bank debt – how to handle or how to do bankruptcy etc…

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  1. I have asked my credit card companies to lower the interest rates they’re charging me due to being out of work from the shutdown and one only did temporarily and now have raised it again and the others did not lower the interest rates. Now I feel incapable of ever repaying. I want to settle these debts, ie offer to pay a specific amount and be done with it. Or to have them stop charging me interest so I can actually pay off the debt. Any advice on how to pursue one of these routes? I feel I cannot do anything else, like imagine buying land or a house or anything until I get out of this debt which is piling up.