Have you attempted to negotiate with the credit card company to see if they will give you a lower rate, or forgive some of what you owe? My Mom went through some credit trouble about 10 years ago, and she was able to settle for 50 cents on the dollar with one of her cards. I personally wouldn't run up the remaining balance on the cards before filing though. A judge will most likely see right through that, and any leniency that they would have given you will most likely be out the window. There may be something illegal about that too. Right now, you are not breaking any laws. Keep it that way.
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"On this day, I see clearly." -Alterbridge
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