I have $55000.00 credit card debt, $24000.00 car loan, 3 home mortgages, my 3 homes have lost almost $50000.?

in value each. I am 2 months late in my 3 mortgages,my income is less because I was bump to part time.
what solution is best to me , Chapter 7 bankruptcy or try and pay the debts.?

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