large debt

I recently found out that my girlfriend in her own stupidity has racked up around $16000 in credit card debt. She has consolidated the majority of it but on card refused and it has a balance of over $6000 and the interest rate on it is upto 33%, and the minimum amount due is over $400. After she pays her rent, car payment, and all of her other bills and credit card debt she literally can barely afford to eat. She has dug herself in a big hole and at her current situation she will never be able to break free from debt. Much of the time she over draws her checking account because she has no other choice. My recommendation was to declare bankruptcy. Isn't there some other way that she could some how settle her debt for a much less amount? I know it would destroy her credit but that would be better than bankruptcy wouldn't it? Any help would be much appreciated thanks.