Let the creditor know that they are one of many and bankruptcy is one of your options.

Let your creditors know that they are just one of many and you are making a last ditch effort to repay them. Tell them that you are committed to prioritizing paying settlements to the creditors that cooperate with you. Tell them if things do not work out, you may have to file bankruptcy. Mentioning bankruptcy cannot hurt because the creditor will realize if you do file bankruptcy, they will get nothing, which may make them more content on getting whatever they can.