Have you been using your credit cards irresponsibly? Probably not. Credit cards are handy for paying the exorbitant costs of your prescriptions, the unexpected car repairs, food. Nothing to be ashamed of.
Worried about your credit rating? Why? You have already bought your house and cars and no longer need a good credit rating. Besides, the credit bureaus have likely made errors on it or allowed someone to steal your identity.
Don't worry. Be happy. Your debt will be wiped out in 20 or 30 years. Think
about it. The credit card companies have made a huge profit from the usurous*
interest rates they've charged you. They won't suffer at all. They'll just pass
on the loss in higher interest rates for their other suckers. They may try to
collect from your estate, but you probably don't have much of an estate anyway.
And you won't care when you're dead. Serves them right.
*usury: see also vigerish (loan shark term), the Bible terms usury a sin on the part of the lender. Jesus threw the money changes out of the temple, but our government refuses to cap credit card interest rates. So much for compassionate conservatism.