The first thing to do IMO is review ALL the legal documentation that you have. This means: 1. What is your role in the company. Are you just another employee o

The first thing to do IMO is review ALL the legal documentation that you have. This means: 1. What is your role in the company. Are you just another employee or does your contract 'tie' you in some way with the company's assets and liabilities. 2. Is there anything in the contracts that you signed (if applicable) that relates directly to you personally? If yes concentrate on that one and nothing else. 3. Just because you poured money in the business, it does not necessarily mean that you are responsible for its liabilities. Review the documentation with a lawyer as to what your exposure is towards this situation. From the looks of it, the merchant account is your 'weakest link'. Follow the advice of others here by talking to the merchant and sorting something out. Chances are that the future is not as bleak as it seems now. There are always choices. Remember: Ask and you shall receive. Asking the relevant parties for extensions, better terms of payments etc. is not bad. The worst thing that can happen is for them to refuse. Good luck and stay strong. There is always light at the end of the tunnel!