You didn't think to mention any action but bankrupcy; hence you aren't fit to offer advice. The abuse just underlines it.
Speak to your credit card folks if your struggling. Make an agreement to pay it off as you can afford. If you can prove real hardship they will suspend any interest. This will appear on your credit score, though.
The CAB will help with the legalities. All these dodgy companies can offer is the same legal avenues that CAB can. Except they will charge you for it. If you want to pay, you can't be that skint.