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Should worse come to worse, sometimes it can't be helped -- your recourses under Bankruptcy law...
Corporations and business people resort to bankruptcy a lot, in fact, whenever they need it. All businesses except for the most successful have experienced near-bankruptcy situations, before. Ask any business person if he or she knows what stress is, when it comes to owing bills that can't be paid off and having to spend significant amounts of time daily fielding calls from hungry creditors nervous about getting paid back.
Individuals also have a right to this form of relief, and can usually obtain it by means of filing bankruptcy. However, it is essential to speak with a lawyer knowledgeable in your state's "exemptions," i.e., the property you'll be allowed to keep or not to keep, in your state of residence, before filing bankruptcy. It would be very unpleasant to file on your own, and then find out after the fact that you may have to turn over some precious property you own. For anywhere from $500.00 to $1,000.00 or more, plus filing fees, you can chuck it all, subject to what the law says about property and income you may have to turn over to the creditors on demand from the bankruptcy trustee. So make sure and get good advice, first.
The following links can give you some further basic information on bankruptcy, but cannot substitute for advice from a qualified attorney in this area and licensed in your state of residence or a state in which you own property.
American Bankruptcy Institute website
Bankrupt Businesses information
Creditor's Bankruptcy Information