I'm very surprised that an attorney would advise you to stop paying your debts rather than contact the creditors to work out a payment arrangements. If you stop paying your credit cards, the creditors will sue you, obtain a Judgment and levy your bank accounts. You might want to consult with a bankruptcy attorney as to your options.
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If credit card issuer same as the bank most of them have cross collateral provisions which allow them to do that. If not as mentioned by other counsel they will eventually file suit obtain judgement and levy account.
If contemplating filing 7 then any payment to creditors prior to your filing could be categorized as preferential payment to creditors. Seek bankruptcy attorney advise in this regard.
Each creditor ages the receivables differently before collection and then law suit. Don't forget your credit reporting during this process and if you end up settling with them.
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A detailed review of your financial situation is in order. You can get a second opinion from another lawyer; just pay for a consultation. Gather all of the relevant documents and have another attorney review everything.