My wife and I both owe $75K in credit debt and we have stopped making the payments a long time ago, PLZ Help?

Here is the deal, My wife and I both owe $75k in credit card debts combined. We have stopped making the payments back in December of 08. We just couldn't afford to make the payments anymore. The reason the amount of the debt is so high is because we bought a house back in 2006 and our realtor at the time was representing both us and the seller and we got the worst part of the deal. Anyways we had to keep borrowing money from the credit cards to pay the mortgage payments on that house. We finally couldn't afford to make the mortgage payments on that house so we did a short sale in 2008. Now again we have stopped making the credit card payments since December of 2008 and we simply do not have any money. Both my wife and I are self employed and we have a vending business. However we don't make a lot of money with this business. Anyways the credit card companies have been calling us day and night and the collections have done the same thing and we don't pick up on any of them. So the other day a process server came to our door and handed us a letter telling us that we had to appear in court. Obviously one of the credit cards filed a lawsuit against us for the amount of money owed and are seeking a judgement against us. That letter was for my wife's credit card. My turn is coming pretty soon. So we are not gonna go to the court obviously. We don't have money to pay our credit cards at all. The house we live in now is in both me and my wife's name but it has gone down in value. We bought it in 2007 for $395k and now it is only worth $180k. All the furniture and stuff we have in the house has already been paid for. We are leasing the car from Honda. So we don't really have any ets in our name. All we have is the vending business. With that said, since we are not gonna pay a dime to the credit cards since we can't afford it and uming that they will get a judgement against first my wife and eventually me, what should we do here. If they do get a judgement against my wife, what can they take away? Should we file for bankruptcy? We can't afford an attorney. What are we supposed to do to wipe the slate clean and not be bothered by these credit cards anymore. At time point we don't care about our credit. Please help me out.