Pieces and Y YAT...u guys r really Y yat !!! haha..jk......Bankruptcy is the last thing i would ever do.... and Pieces, if u do the settlement with CC companies, ur credit will get worse.....thats waht i learned from diff sources.......thanks for the suggestions anyway.....i dont have too much debt..i m just concerned bout the APR% i m paying.....i guess, balance transfer seems to be the best idea for time being!