Bankruptcy or get on a payment plan

I have over 80,000 in CC debt, now should I file for bankruptcy or sign up for a payment plan for 4 years to get it paid off? Whats the better option?

If I sign up for payment plan I guess I can keep the relationship with the banks?

If I file for bankruptcy I lose all the relationships potentially for life with all the major banks. Like chase and Amex.

Whats the ideal thing to do here? Restart life with 0 debt but a bankruptcy on record or Struggle another 4 years to pay off debt to be on good terms with the bank?