For an understanding of Chapter 13 bankruptcy versus Chapter 7, read this article.
If you wish to discharge joint debts, you both will need to declare bankruptcy. If you wish to get out from under debts that are only in your name, you can declare bankruptcy yourself - but you should expect that your husband is going to find out.
If you can actually get the credit cards paid down or, better, paid off without either trying debt settlement (which will hurt your credit almost as badly as bankruptcy and may not even succeed) or bankruptcy, that's normally the best approach.

