Yeah its BK time. You will wonder (as most do), why you waited so long. Its the same story over and over. Doubt and fear, followed by anxiety. Then once you get the discharge, the relief sets in and you reflect on why you waited so long to file.
There is no honor in repaying your debts to major corporations. If the general public knew how many times major companies filed BK in some form or another, there would be riots. Some businesses file over and over as the law allows.
You are not going to miss Navy either. They have tightened their guidlines over the last year and are no longer as (BK) friendly as they once were. Penfed is another one that has tightened up the guidlines for credit. Especially unsecured. You are no better going with them now, as if you were going with BOA or Chase.
I say file and get your new start. Kiss Navy goodbye though. They are never going to lend you a penny going forward until you pay them back in full, even if you get a discharge for those debts.
I agree with @CreditNewguy ... with two caveats:
1) You listed how much you owe ($67k if my math is right), but not how much you make. In other words, it is probably time to file bankruptcy, but before making that decision, I would hope you reviewed your expenses and sought ways to reduce costs. It's not clear to me what amount is left over that could go toward debt repayment. If excessive spending had anything to do with the debts (I didn't overlook the situation with job loss, etc.) then it would be good to address this before filing bankruptcy.
2) I would also focus on your secured debt at this point. How much are the cars worth vs. what you owe. If you file, you will need to decide what to do with the cars. Your options likely include abandon, redemption, reaffirmation (usually a bad idea), and retain/pay.
As far as Navy Federal goes, if you cause Navy Federal a loss (get a card charged-off in bankruptcy), you will not be approved for secured or unsecured credit until that loss(es) is repaid.
You are probably looking at a chapter 13, I just got finished with one. Hard couple of years but it will all clear up and feel good.