<prompt> Human: So almost a year ago, I left my 64k a year job to work for a start-up, I withdrew my 50k 401k after taxes and fees and loaned it to the business owner with the assumption that it would be paid back by Christmas plus he would cover taxes and penalties for withdrawing, and I would be making nearly double what I was making. That has completely fallen through, the owner proved to be a deceptive snake oil salesman, and while he is paying back the loan, it is over a much longer period, and I am no longer working for him, and suing him is not an option. I am charging him interest, but my immediate situation is rather dire. I have no job but am actively applying to places, my wife works but only makes 9 or 10 an hour and usually works 30hrs, I own a rental house that isnt making money, but have only owned it for a couple years so dont have much equity I am going to sell this one but have to notify tenants and it will take time to sell, I own the home I am living in and paying 750 a month on a land contract with 0 interest, but have owned for less than a year. I have two cars with significant loans on them each one is around 15k-17k and I am underwater by about 6 or 8k total between the two one had my prior cars remaining balance rolled into it, and they have both depreciated significantly. I owe the IRS 13k from the withdrawal, and am on a 230month payment plan with them. On top of all that, I have racked up about 10k in credit card debt over the last year, my credit score is shot, and my wife has student loans that are about 400 a month. I am less than a month away from being completely broke. Do I have any options besides bankruptcy? Im feeling pretty hopeless, and I obviously regret my decision to leave the stability of my last job, but I dont know where to begin to fix this.  <response>: Can you get your last job back? You need a new job. This isnt the start up guys fault. Nothing you did in the last year was thought out or logical. Its your own fault. Start selling assets in the meantime 