MasConcepts Incorporated

My parents died when I was 19, I’ve been on my own since learning mostly by experience, the most expensive lessons. I have no one to turn to for advice and no clue what to do. I did fairly well worked my way into a specialty field in municipality water systems. Was making $125-150k a year, until some federal budget cuts cancelled virtually all our projects in my field. I lost my job and ultimately the business closed after I was let go. I received some UE but it ran out long ago and I still haven’t any job offers in my field. Due to my specific field and the federal cuts it’s overrun with unemployed older folks with much more experience, and younger ones that will work for less. I quit paying on all my credit card debt, about $70/75k and a personal loan around 10k. Sold the house so it didn’t go into foreclosure, bought a class A coach and hit the road to find my new life and career. I‘ve been living in it doing jobs working my way around the country with no permanent address trying to find my place. I’ve found a dream job and chose a career that only makes about $45k a year, but is much more fulfilling and contributes to others in a way that has changed me forever. As you might figure, there’s no way I can live and pay all my old debts. I haven’t made any payments in almost 2 years. Most of the accounts went to charge offs, and/or sold off. I’ve just continually blocked all numbers any one calls from. Over 1,000 numbers at this point. I’m lost on what to do, do I declare bankruptcy and go through all that, or just wait for 5 more years for all of the debt to fall off?

tldr $75k in CC debt, no payments in almost two years. Claim bankruptcy or let it all fall off in 5 years?