i used my credit cards to fund a business owned by my parents. if i declare chapter 7-can they go after the business?

The answer lies in the details. It depends on how much money you put into the business and how long ago. Other issues are also raised in whether the payments were potentially payments for debt or investments. Finally, although bankruptcy law is federal, the exemptions ar controlled by state law. I know people hate these answers but you need to run, not walk, to a bankruptcy attorney. If you can't get an initial consultation free, then consider any consultation fee money very well spent in potentially saving you and your family business.