Unsecured credit debt
I have several credit cards all paid as agreed with no late fees. I am 72 yrs old with a 12 yr old son in my custody. I now cannot get a job and my only income is social security. Do I have to file BK or can I just stop paying with an explanation. The only assets I have is my home which is worth less than is owed on it and also it is hometeaded. Can you please help?