I posted my questions on myfico but I want to get your opinions here.
http://ficoforums.myfico.com/t5/Bankruptcy/170K-credit-card-debt-no-way-to-pay-off-as-of-now/td-p/5205670
I have 8 different credits. 4 business and 4 personal cards. The business failed, can't pay back cards. I was able to negotiate with American Express to pay monthly payment at 6%. Chase Business credit card, on the other hand, played hardball and didn't' want to reduce the interest rate. They didn't want to give me hardship program either. They told me to go to credit counseling.