Debt at 28K - What are my options?

There is not enough information here to answer the question. What state do you live in? Do you have any assetts that you need to protect? Your income may not qualify for Chapter 7. Are you current on your bills? Filing bankruptcy is not an action to take lightly. It has far reaching effects. I prefer to look at it as a last resort. If you can get in a consolidation plan that you can afford with a good agency, that would be better for your credit.

Great idea, but will this work over the long run?

If you can afford to pay your debts, then you should. Bankruptcy should not be used to blow off your bills, just because you do not want to pay them. It is when you cannot pay them. Debt consolidation is better for your credit in the long run than a bankruptcy that will be there for ten years after discharge.