What's the best plan for my family?

I run a small photography business. Business was steady enough for the past 5 years, but now it has tanked. I grew up with severe medical issues, was once on full disability for it. The Govt found the problem, fixed it and said go work and be productful.

So I did... along the way I picked up a wife, 2 kids and 40,000 in student loans and no degree.

Together my wife and I owe about 15-20,000 in CC debt over the 10 years of marriage. I use the term lightly, because she is wanting a divorce and thinks that will fix all of her issues in life. Sadly this is never true.

So back to debt.... I am doing odd jobs to bring in what I can, and still shooting portraits when I can book people, but it's VERY sporadic and tight.

This month will cause me to miss payments for "real" (not where I just forgot, called them, told them the truth and paid it immediately).

Should I talk to each creditor and tell them the truth and work out a plan? We don't own a home (we rent), I need the internet plan for my job (Currently), and we are making our payments on our 1 car.

My wife's credit cards are already in settlement for the past 1-2 years.

What do you "experts" recommend? I have tracked down a Bankrupsy attorney local to call, but sometimes it's best hearing it from someone who's been through it.

I'm still on the job hunt, even though there's few things I can do and handle thanks to the heart condition. My kids need to eat, that is all I'm worried about. My wife works full time at a preschool making 7.50 an hour. I clear 12,500 after everything's said and done each year on the photography business. We're poor, but not poor enough to qualify for state welfare. Although they told me to reapply now that my business is not going well.

Thanks for reading my life story. All advice is appreciated.

-MurkyInMO (Missouri)