Contacted multiple lawyers all saying different things Bankruptcy?! 😓😓

I’m currently 27 years old $135,000 worth of debt that majority of it was due to an authorized user card being taken advantage of, I don’t have money to file any kind of civil case and I don’t have the money to pay back The Creditors, I own a home that I’ve been living in for about a year and only has about $50,000 worth of equity, I make about $60,000 gross income a year and don’t have any other assets, one lawyer is telling me to file chapter 7, due to the amount of money I make, While other Is telling me to file chapter 13 because of how Quickly, the debt was added to the credit cards Within 2-4 months. I haven’t paid for any of the cards in about six months because I cannot afford to do so, I still have not been sued, This is driving me crazy and I don’t know what to do, Please help.