was calling the Credit Card companies directly to try and negotiate a lower interest rate. If you tell them your financial circumstances, and float that BK is an option you are considering they are usually more than willing to work with you on reducing you rates to avoid discharging the debt altogether and losing out not only on the debt repayment, but also interest earned from your payments.
This usually helps get your payments lowered, and will get those cards paid off faster since less of your payment is going to pay for interest.