I fought cancer and now I have 80,000 in credit card and medical debt.

I interviewed 5 bankruptcy attorneys and a clean Chapter 7 is what looked perfect, with one caveat. I have a 42,000 IRA rollover that trustees could take from me to pay creditors. This is the last money I have and will probably need follow up care. It is an annuity which is exempt in the state of Texas, but again, the trustees could see as attachable due to 10 days it was non-exempt during rollover (due to memory loss from chemotherapy.) People have no idea what I have been through, nor do they care in business dealings, of course. This was a mistake on my banks' part, as I had stopped the rollover. The paperwor was not heeded and it transferred to annuity IRA status. I have stopped paying credit cards this month. Bankruptcy attorney said to change my phone numbers, to stop phone calls. Should I advise them of my situation, or simply stop communication completely? Should I call and pay them a couple bucks to show I am trying, or just ignore them, since they have not helped me? I have begged them to work with me with interest rates, etc. They got their TARP money, and filed for bankruptcy! I don't need stress to get cancer again. I almost died. They'll be ok. They showed profits last quarter, off raising my interest rates, and not cutting me any slack. If I can stave them off a little longer, I could do a clean 7. I more than qualify. I had divorce, life threatening illness, and loss of work due to cancer. Loaded question, I know. Hope you're not completely