Lots of great advice here. I was involved with a company that ran out of money which had a very high burn due to infrastructure. The server company was more tha

Lots of great advice here. I was involved with a company that ran out of money which had a very high burn due to infrastructure. The server company was more than happy to work with us... that's an easy first start to minimize any additional expenses. I don't have a lot of personal advice to give you to help you out of this situation. However, on the surface I do feel you made some mistakes that you should never make again. 1. Driving expense car while in debt. Wasteful. 2. Living off credit cards when you could have easily shacked up with the 'rents from the start. I'd probably talk with a REPUTABLE debt advisor to figure out how to get out of this mess. Until then, get a job and/or look to liquidate what you've built. Keep your head up... I'd probably look to liquidate as a last resort... if it wasn't for the economy, it sounds like you'd be in a lot better shape... so if you can withstand the squeeze for the next 6-12 months with an interim-job, then you may be in a great position to catch the rebound. ps. I'm in Austin and go up to Conjunctured from time to time. My contact info is in my profile if you'd like to grab coffee sometime soon.