Well… looks like the ball has started rolling. I just got a letter from my business landlord, stating they wanted payment in full in 10 days for all past due rent. I contacted my business attorney, and he suggested I call the last lawyer who he had recommended previously.
I went into the office this afternoon. He is going to contact the landlords attorney and try to hold them off. He also has some bank contacts he suggested to see if financing may be possible, and to try to avoid bankruptcy if at all possible. He also recommended AGAINST debt settlement. The big reason, is because any debt a credit card company writes off (Settles for) you are responsible for the difference via income tax.
That means if you owe $25,000 on a credit card, and they settle for $10,000 you will get a 1099 form at the end of the year for the $15,000 difference. That means your tax bracket probably goes up, and you are responsible for a LOT more taxes! That’s no good in my opinion!
– If you are a fan of the “Dummies” series of books be sure to look at 
It can give you great tips.