Stuck With $200k In Startup Credit Card Debt Personally, Options?

Howdy, using a burner for privacy. Appreciate the help.

I’m in Massachusetts and facing a tough financial situation. I was the founder of a biotech startup, a Delaware C Corporation, that recently failed. The company, backed by venture capital and angel investors, has no assets left, but I’m personally liable for about $200k in corporate credit card debt (Amex and Chase). The company was dissolved in mid-November.

I’ve been on medical leave since mid-October and in a PHP/IOP program since then. I have an irrevocable trust worth about $750k with spendthrift provisions, making it hard to use for creditors. My partner and I own a homesteaded house in Massachusetts. I have less than $5,000 in checking and no other personal assets like stocks, retirement accounts, or investments. My partner has retirement accounts, a Roth IRA, and some personal possessions (e.g., jewelry). I have good credit (around 780) but no current income. I plan to go back to school soon and won’t be earning much for the next 4–7 years, using all my income to pay household bills without touching the trust.

The credit card debt is personally guaranteed, which is why the banks are pursuing me directly. The business was dissolved properly (e.g., filings and creditor notifications), but the company has no remaining assets.

I’m considering bankruptcy but am not sure if it’s the right move or which type (Chapter 7, Chapter 13, etc.) makes sense.

My Questions: 1. Can creditors go after the trust despite its spendthrift provisions?

1. Are my partner’s assets (retirement accounts, income, jewelry, etc.) at risk?

2. Should I file for bankruptcy, or is there a better way to handle this debt?

3. How do you find and vet a legit bankruptcy attorney? I just see sketchy ones that advertise on buses and what not.

I’m not sure if being on sick leave affords me any protections here. Looking for guidance on where to even start getting my life back together financially. Thank you