401k is protected in bankruptcy.

So, no, never do it under any reason.

If you earn enough to pay off the cards within the next year or so, then tighten your budget and pay it off.

If you don't make enough to pay it off in a year get the debt reduced or consolidated under a lower interest loan and then tighten your budget and pay it off.

If you won't be able to pay it, at all. Take the L and file for bankruptcy. Start over.