I have been unemployed for over a year now, and I have been maintaining my credit cards with the unemployment money that I was receiving. The credit cards have high interest rates and are not budging to work with me to lower the APR to pay off the credit cards faster. I've already settled one credit card. I feel like I am throwing my money away for the high APR's. Should I just file for Chapter 7 or is $11,000 not worth it? Or should I just try to settle all of my credit cards? How will each reflect on my credit history? I don't own a home in my name nor anything or value over $4000. Please advise on my best options.The reason for consideration of Chapter 7 is due to the fact that I am an expecting mother, and I don't want to bring myself to a point where I will have to collect pennies to provide for my child once its born. I want to start saving money now so that I can provide for my child without any government assistance and every penny counts. I am not sure how much longer the unemployment benefits will continue to be provided to me, so I do have to think wisely. As much as this unemployment experience has been extremely humbling, I have to rearrange the priorities of my finances. Making $1200 monthly payments to credit cards and their balances not going down is just a tad too much right now. If there are any other options for me please provide me with information.