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credit card debt

we do not have enough income to cover our heavy debt load, nor to do a consumer proposal.

however we are trying to liquidate assets to pay off un-secured credit card debt.

As the assets are sold we pay off the highest credit card debt first.
How long will the credit card companies wait before they start garnisheeing bank accouts etc. and is it reasonable to beleive that the smaller card debts will not seek legal action. As we have an offer on a piece of commercial real estate that closes in 12 months.

We have talked to 3 trustees – two say to declare, one says that we have substantial assets – and to just keep trying to sell them off and pay the debts as money comes in.