i made bad decisions and handled credit lines too unresponsibly. i called each cc and ask then to close my accounts.before they were 30 days past due. i said i could pay them if they could give me a 60 month payout with a resonable interst rate. not one would even listen they all offered a 2 month extenson. but that would not matter,i have been borrowing to service the debt for months. i could get by with the minimums,but i could never paythem off; well in about 18 years. so i get counsil for chapter 11. no problem the attorney says you can do a "fast track" and be clean in 3 yrs. why won,t the ccc reason with people. should i do battle with them by not filing bk. the easy way seems to go the bk. well fargo 70k; citibank 35k; mbna 38k; discover 10k amex 55k;abvanta 30k; first union 10k usbank 25k as you can see i am in deep.