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There's no filibuster in the House and there isn't much risk of a filibuster in the Senate.
The reason the Democrats won't pass it completely on their own is that no matter what solution is done (and regardless of whether ultimately the right or wrong thing) it will be generally unpopular in the short term. If they do it all alone it will become a campaign issue.
So, they need the cover of bipartisanship so that it doesn't become a weapon in the last month of the 435 congressional campaigns going on right now. And that is also why, unless there is extremely broad bipartisan support McCain and Obama will both probably find a way to not vote on it.
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