I don't have a lot of personal advice to give you to help you out of this situation. However, on the surface I do feel you made some mistakes that you should never make again.
1. Driving expense car while in debt. Wasteful. 2. Living off credit cards when you could have easily shacked up with the 'rents from the start.
I'd probably talk with a REPUTABLE debt advisor to figure out how to get out of this mess. Until then, get a job and/or look to liquidate what you've built.
Keep your head up... I'd probably look to liquidate as a last resort... if it wasn't for the economy, it sounds like you'd be in a lot better shape... so if you can withstand the squeeze for the next 6-12 months with an interim-job, then you may be in a great position to catch the rebound.
ps. I'm in Austin and go up to Conjunctured from time to time. My contact info is in my profile if you'd like to grab coffee sometime soon.
Secondly, I think you'll probably find that declaring the company bankrupt won't free you from liability for most of the debt it owes. You should try your hardest to deal with both the corporate and personal debt through some route other than bankruptcy. It isn't a totally unmanageable sum, but it could quickly get that way since we're talking about credit cards here.
I guess your best bet is to look for a full time job as soon as possible. In the mean time, phone your creditors and explain the situation. If they're nice you'll probably be able to organise some form of payment holiday until you're earning again, with a more reasonable rate of interest. With the current economic climate, my guess is lenders are just happy if their customers intend to pay back what they owe, and they'll bend over backwards to help you.
Anyway, sorry to hear about your situation. Its a tough break becoming victim to the economy through no fault of your own. Hope some of this helps.