I agree that your credit card debt should be dischargeable.
Contrary to the above, a lot of debts expire without anybody suing and collection firms are loathe to sue on an expired debt - you raise the statute of limitations and they lose. Much more common, junk debt buyers will try to collect expired debts, or try to entice you into making a small payment so as to renew the statute of limitations on a debt that up to that time had been expired.
If you wait until some of the debts expire, you may not need to file bankruptcy. If they all expire, hey - great. If some creditors sue you, you can declare bankruptcy then or later seek discharge of their judgments.
You should consider consulting a bankruptcy lawyer - the initial consultation should be free. If you're presently unemployed but anticipating that you may get a job, it may make sense to file a Chapter 7 now as opposed to potentially being limited to Chapter 13 if your job pays enough that you no longer qualify for Chapter 7 under the associated means test.

