<prompt> Human: Ive been a long-time lurker, really havent had much success in getting feedback from posts, but here i go anyway...I opened my small business last year, using retirement funds as start-up financing. About 50,000.Since then, my sales have dropped, I have spent all of my money on the company, and have acquired horrible debit in the form of credit cards and a prosper.com loan. Id have to say, Im somewhere in 50,000 debt, just in unsecured ones...My wife works, she pays the bills for personal thingsmortgage, cars, etc. Next month will be my 1 year anniversary and its to the point now that I cant afford anything for the company. Ive worked seven days a week for the past year to get this right, and Im failing over and over again.I think my only option is to file for bankruptcy. My credit score has tanked, I have app blocks on my cellphone to auto-block collection calls. Im screwed... Advice anyone? Or just a different view-point on things...I really appreciate this. :edit...formatting.  <response>: I think my only option is to file for bankruptcy.What about getting a job? If your wife is currently working and that is paying living expenses, and you can get a decentish paying job and put 100 of your net earnings toward paying down that debt, you might have it paid off in 3-4 years. 