When you already know you're just going to take the money then file for bankruptcy, you don't really try hard to negotiate contract terms. Prolonged talks just delay your payday. "Whatever terms you want boss, just send me the check as soon as possible." versus "I'm negotiating really hard on this loan because I intend to to pay you back!"
No, them's words you mutter to try and salvage some dignity as you walk away with your tail between your legs. Might also be setting up your defense for when the stockholders and the Feds go after you.