I totally agree with the above. Also, be considerate of the rest of us. These are some f the reasons, that getting business credit, and increases are getting more difficult.
In addition, have you possibly thought of innovative ways to help your business, or maybe another business venture, that would help you with your debt and livelyhood. I don't know what type of business you have, or how much debt you are in but it may be worth a try.
Generally talking with them does no good. If your no longer in there good graces then you go to the default department for different terms, etc. But generally it is better to walk away if the overall debt is huge and can't be overcome in a reasonable period of time. Many times they don't litigate and you don't need to file bankruptcy. I have had charge-off with BOA over 20k and it was written off. It depends if they find assets, jobs etc then are more likely to sue. Just figure it all out on paper a short and long term strategy.
Be considerate of the rest of us? Oh, please. 99% of business fail. And the overwhelming is not because of the owner fault. Market conditions, and what is done in Washington determines your business success or failure more than any other factor. So lay off the guilt. A business owner whom fails at one business can try, try again. Default rates are built in to the business credit formula and have nothing to do with the difficulty of getting credit. The defaults on vendor credit with many of the majors remains steady. The changing factors is reduced spending and other market conditions that make the companies shore up there accounts.
Fail to plan and Plan to Fail.
If someone walked up to you and borrowed $20K and said they would pay it back and then didn't, would that not lemonade you off? If that happened everyday several times a day, would you not then also go broke?