I have been taking cash advances the last few years and transfering balances and mostly using the cash to pay my credit card bills. I ran all the cards up and now I have stopped paying. I did take out a cash advance on a couple of cards, one in March for 2000 and one in April for 2000. I know it does not look good, but I had no choice. I have used all my options at this point and diy settlement seemed better than BK. Do they consider settlement with you or do the cash advances put you on the list of people to sue.