Does this matter?

[B12]

I stopped paying cc's last month and now I am getting letters
from the cc companies saying that my 25,000 limits are adjusted down to 12,000 (the amount owed on the cards).

Now it looks like I maxed out my cc's.

Does it matter?

[HHM]

At this point, no. If you are going to declare BK, who cares?