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Defaulting credit cards

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Hoping I can get some advice as I am now struggling with spiralling debt and its having a massive impact on my moods just now. I have completely acknowledged the extent of my debt - around 50k - and I have been making payments to everything until recently where I have found myself in my overdraft, eating up all my income and leaving me with no money to pay some of my debt. 
I have high interest credit cards and unable to get balance transfers and basically wondering what the process would be if I don't pay the credit cards? I have already had letters about persistent debt. If I could just reduce some of the higher payments allowing me to save some money on my overdraft, then I would have more disposable at the end of the month. 
Thanks 

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