If you lost your job and have credit cards and 2 car payments that cannot be met is the best track to turn in one car and file bankruptcy?

best track be to volunteer turn in one car, quit paying credit cards, once repo gets judgment against, file Bankrupsy? BEST track be to keep both cars, GET TWO JOBS, pay off cars & credit cards,live happy ever after in FL or PA or where ever the JOBS are. You CAN do it. The contract you are wanting out of didnt say anything about "wont pay if divorce,lose job,ect.", it said "I WILL pay X dollars for X number of months. It didnt say "I will pay as long as the sun is hing and the roses smell good."Why do I answer like this? Because you seemed to ask for the BEST track AND I believe YOU CAN DO IT. MERRY CHRISTMAS