I have had bad times, which dragged on and by the time it was over, I found myself with around $35,000 of credit card debt. I have been paying $1000 for the bills each month and still don't seem to keep up. Considering bankruptcy, - Chapter 13, since I won't qualify for a bk7. But then, will settlement be a good option for me? Both are going to affect credit score. While I get to pay less with a settlement, will bankruptcy be a quicker process to get rid of the debts?