I'm past due on all my accounts, but not quite enough to talk much about settlement yet. But I'm wondering about something. A few of my creditors have suggested that I should file bankruptcy. A couple of them were actually being pushy about it, trying to talk me into filing right away. Why would they do that? Has this happened to anyone else? When they ask (and they have been the ones to bring it up in the first place), I tell them I have met with an attorney, but I'm trying to find an alternative. Then they say there's no reason to wait, and I should go ahead with it.