Can I get myself out of this debt?

Here is my current situation. I make around 105k a year,

I have the following debt;

Credit cards various @ 86 k, about 2 grand due to interests.

Student loans 6k, 140 dollars monthly payment

Car note 21k, 520 dollars payment

Mortgage about 2.5 k a month,

As you can see credit cards are eating away at my income, I already called and negotiated with them on reduced interest. 26 k was reduced to zero to 9% rate from 3 various banks. Now the other 35 k is with Bank of America and they won’t lower my rate, the rest with chase and Robinhood are still at 29%.

I am afraid I am in a bankruptcy situation if I can’t negotiate with Bank of America. I already missed one payment with them, but not 30 days late yet. My score is roughly around 650 due to high credit utilization. Do you guys have any suggestions for me??