SMARTFINANCESOLUTIONS.NET - Settlement or bankruptcy??

Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Settlement or bankruptcy?? - should I settle with banks or should I go thorough ch 7 bankrupcy see I only make 17,280 a year at this new job I have. I have 6 credit cards with balances totaling 18,000 roughly the income to debt ratio is negative I just heard I wont be able to get a house car insurance, motorcycle anything in my name for the rest of my life and the banks might sue me please I need expert advice I would appreciate it greatly. -