Need advise

A. Which is better option?

1. Do i let my cards go to collections, then negotiate and pay it off once i have money for full payment.

2. Continue MAD payments?

Ive been doing 2 for years and d nakakaahon. ang dmi na rin kinita sakin ng banks. So i am leaning towards 2. Iniisip ko mag ipon na lang ako, then nag nego then pay in full. But need guidance here.

B. which to prio paying? Banks, Gcash - Ggives, etc, Seabank. I was thinking ung maliliit munang amount para bumawas sa listahan.

C. Sa gcash and seabank, pwede ba mag nego like banks? What happens kapag pinabayaan ko sila totally?

This is the cost of supporting family beyond my means. I dont have any properties, no car, no house, no investment, no insurance. All i can do is work, to pay off. Nothing to sell.

D. Magging conflict ba sa Pagibig, if may bad record sa banks? Planning kasi maging main or co borrower for an acquired asset.