I have over $100k in revolving debt (between my wife & I), and yes, we are considering filing bankruptcy. I would rather try and work something out w/ my creditors, like settling for less than amt owed, or having them reduce their rediculously high interest rates or fees but they don't seem to want to work w/ me. I know threatening them w/ BK won't help either... any suggestions? I would rather work something out w/ them than file BK.