How do I file bankruptcy in Southern California and what type should I file?

Hi. MedlinePlus MedlinePlus I have a very good credit score. I've never made a late payment on anything in my life. However, I am anticipating disaster and see no way out of it. My debt is about 17K in credit cards and student loans about 10 km so that a total of 27K. I'm not worried about student loans, and I'm at school and what they are currently "on hold" until the end and when I am expected to pay them only as $ 110 per month for ten years. But my credit cards are getting worse and worse and the only way I can make myself stop relying on them is to kill them. Unfortunately I have almost zero income (about $ 400 per month) and I'm in college and living with the mother. I have 24 years. This is very sad, I know, but I think it has to present soon. It's a shame because my credit score is 720. I just leased a new car, which is under my name, but again, the family supports me. So ... I think I should file for bankruptcy (Chapter 7 is what I'm thinking) and just live off what I make for thew next ten years. I have nothing of value, and in the morning the lease for my mom, and also want to know if they will take my car when and if the. MedlinePlus MedlinePlus Please know that everyone says it is a "last resort." I'm seeing it as such. So if it comes to this, what is the best way to go about filing and hoe much it will cost me financially and also how long it takes? Will my debts be cleaned? I heard that student loans do not go away, which is fine by me. Your credit cards that are about to crush me. I need real advice, not only criticizes worthless empty. So please ONLY RESPOND IF POLITE RELIABLE ADVICE. MedlinePlus MedlinePlus Thank you guys. Happy holidays.