I owe more than 60k in credit card debts and I just can't pay them and will file for bankruptcy, Plz Help?

I have stopped making the minumum payments on my credit cards since December of 08. In fact both me and my wife are delinquent in the credit cards. We both owe more than 60k in unsecured credit cards. Now we own a home but it has gone down in value meaning there is no equity at all. We are leasing a car which means we don't own it but obviously we need it to get around. We are both self employed and we have our own business which is an LLC. We don't pick up on the collectors nor the credit cards when they call and now my wife recently got a summons to appear in court for one of the credit cards that she is delinquent on. Anyways all the furniture we have in the house has already been paid for. We have no other ets and we only have like $2000 in the bank. With that said do we need to file for bankruptcy or let them get judgements against us because it isn't gonna matter since we have no ets except the stuff I mentioned above. If we let it play out and not do anything about this, what can the creditors do even if they get a judgement. At this point we don't care about our credit. Please advise or should I still file for bankruptcy chapter 7. Let me know. Thanks