if you stop paying then they will send to collection. When that happens you can try to negotiate a settlement of the debt. You'll have to pay something back, but probably not the entire amount. In fact, you can go to them now and try and negotiate the debt down to something that you can afford to pay.
It's important to remember that if they forgive some of the debt, you can be taxed on this money as income (although you should be able to right it off as a loss to your business since that is what you used it for).
have you tried to negotiate with the credit card companies yet?
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Disclaimer: I don't know what the heck I'm talking about (my wife's favorite quote), so please take all advice given with a grain of salt :o
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