Business Bank card

I have a credit card with Wells Fargo that was in a business name but still under my social security number. I cant afford to make the minimum payment and they are telling me they wont negotiate it as long as it isnt paid current. I am having a hard time catching up since when I do make payments it isnt making a dent so the interest keeps accruing. I told them they need to work with me because I may end up filing a BK and then they would get nothing so they still wont budge. Any suggesstions ?