I know what your going thou. I am 48 yr old disable Vet, after I was forced to retire. I when from $70000. a year to $35000. I couldn't make it with 3 kids 1 getting ready for collage. So I bought a small business. was doing good then my government got me again! Chash for klunkers killed my business. I bought a towing business and opened a auto repair shop. Thanks to our government my cash flow took a 60% cut. After watching 3 other shop go under. after I spent all of my saveings I had to sell out. Now I'm $140000. Dallors in debt and now way to pay it back. Hell I don,t even have the money to file bankruptcy! So what do we o NOBODY WILL HIRE US TO WORK. So we can pay our bills. The price of food and everything else has gone up. So we get further behind !!!!! So if you find the answer short of just giving up. I don't have anough Insurance to pay everything off & I don't want to leave this problem with me family. Let me know.