I am 58 disabled over whelmed in credit card debt and can't get it under control

If you can file bankruptcy, you should.  Reason why the constitution has a clause allowing bankruptcy is that please country, from its inception, wanted to allow people a fresh start if they were overwhelmed with debt.    The question is if your income and assets will be protected from creditors in the bankruptcy. You do not give me the information so I cannot comment.  I suggest to meet with a tourney in your area and hopefully confirm that you can file bankruptcy.    Good luck