has anyone done either of these ? any info would be great . we have great credit never late on a payment yet . but we owe alot on credit cards.

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Wife to Marc , Mommy to Kayla

If you have great credit, why don't you try calling the CC companies and seeing if you can get a better interest rate? Or see if they'd work out a deal with you. Bankruptcy laws have changed in the past few years and it is harder than ever now (you have to go through a process and 'qualify' for a bankruptcy)...Besides if you have 'great' credit why on Earth would you jeopardize it with a bankruptcy, that should be your absolute last avenue.

Start by contacting your credit companies and work from there....

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they wont work with us - ive tried several time - we actually might do debt settlement instead - none are good opitions but we have no choice.

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Wife to Marc , Mommy to Kayla