can anybody offer direction from the bottom. i have very good credit for another 6 days. unsecured debt to 7 cards of 327,000. yes that is not a mistype a total of 327,000 i have a small business that has declined because of competition, i have been meeting inteerest for 4 months and cannot see daylight. bankruptcy is possible and i have meet with 3 different firms. they say no worry in a 3 year plan you will be fine. but i have read the war stories of how the trustees can cause unrecoverable harm because you are at their mercy. i can service $5,000. a month. what are my options that no one has told me about i am in texas.