If and when to file chapter 7

[neamer3]

I have amassed massive credit card debt while on permanent disability, under the delusion that I might be able to work part time(not so.) I can no longer make even the minimum payment on any of the credit cards. Should I wait until they come after me to declare bankruptcy or do nothing since my disability benefit can not be garnished?

[HHM]

Well, you don't want them to sue you and get a judgment. If you are able to pay your living expenses with your disability, then you should probably declare BK. If you need debt to help make ends meet, you need to reduce your expenses so you don't need debt to live, and then declare BK. In either event, as soon as the first summons is served, you should declare BK to avoid future hassles.