Renegotiate that debt, or at least force them to lower your rate. Remember the debt is unsecured, so if you are bankrupt, they may get nothing.
We are not credit counselors. If you negotiate the debt down, you may get a black mark on your credit history. Do your own research first. Definitely force the rats down , though.
The New Times brings us an interesting story. As the U.S. consumer goes broke, the credit card firms are cutting deals with some folks.
http://www.nytimes.com/2009/01/03/business/03collect.html?_r=1&em
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