Defaulted mortage and was wondering about cc

I defaulted on my mortgage for 2 months and my credit score went from 703 to 610. I signed up for the obama help homeowners plan, got accepted for 3 months and i am in the proccess of getting help from my motgage for a loan modification. I have about 30k in credit card debt and the lady from the hope hot line was telling me to stop paying my credit cards.. i know i would be offered settlements and etc downt he road after being late and was wondering if its going to hurt my credit score even more? and how long would it hurt it for? I already know that the being late on my mortage is going to be on there for 7 years... I am just trying to figure out my options because i dont want to keep paying cc if it wont hurt my credit more or screw me up for ever because i know everyone else is struggling.

Thanks for any input.