I have major credit cards debt that I tries apply w. credit consolation which I am unable to afford paying.. I need to know what is processor to file bankruptcy. Since I have good credits but now I'm so much in debt and can't afford continues to pay month to month payment...

Hire a bankruptcy attorney to file it for you, since it may not be the best, or if so you have to decide what type to file, you need to consult with an attorney