Should I just give up and file for BK

Should I just give up and file for BK Here is my debt: AMEX : $18,000 (account in delinquency) credit limit is 14k and they are going to sue me . they are asking for $490 a month as a minimum payment Capital One : $14000 was 28k two years nd a half ago but im on relief program and pay them $680 a month along with another capt one card credit limit 8k and now the balance is 6k Disco...

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