Credit Card Issue

Mga ka momsh ask lang higit 100k utang namin sa credit card don't get me wrong okay history namin ng payment at lumaki lang yan dahil sa penalties at interest. Ask ko lang po alam niyo ba paano mag file ng bankruptcy or amnesty? Mababawasan or matatanggal ba yung malalaking pinatong nila?? Finorward kami sa legal third party collector na nagpatong pa ulit ng 25% service fee na kami pa magbabayad. And they're harrassing us. Any advise po. Salamat. Kahit mag anonymous po kayo. I'm so depressed.