[cabinguy]

If you have some money, you can negotiate your credit cards down to almost nothing (eg $30k = $4k payoff). Call the credit card company, tell them you have $X (X being about 10-15% of your balance) and you are calling all of your creditors to see who will take it as payment in full. $X is all you have...and if they will accept it, you will send it to them...otherwise you are sending it to the next card on the list.

It will be a little scary making that first call and making such a low-ball offer, but it is where you want to start and you will be amazed at the results...I guarantee it. Be sure to get the accepted deal in writing before sending any money.

This is a tough thing to go through. As an entrepreneur, you have to be able to compartmentalize these types of problems. Put these problems in a box, put the box on a shelf, and continue to build things and solve problems. Don't forget about the box, but set it aside and refocus on kicking ass. This is just a wall. You will run into a lot of walls on your journey. Walls are not there to keep us out, they are there to keep those who do not want it bad enough out.

tl;dr It's not over until you quit. Never quit.