My question involves bankruptcy in the state of: Illinois

Is there anyway to negotiate yourself out of a bad interest rate. After my bankruptcy two years ago, I hated the idea of getting in debt again and getting any more credit so I stayed away from it. Recently when my leased vehicle was up and had to be turned back in, when I went to return it, I realized that I would not have a car unless I got another lease. GM refused to help me but the dealership said they could get Crapital One to finance me. Boy what a joke that was. Now I have another car with a 23 percent interest rate over 72 months at 622.00 a month and the vehicle is a 2006 GM with 8000 miles on it. The interest is more than the car, but what could I do?