When I talked to our attorney he said we had a couple of choices in Louisville Chapter 13 was one.  I didn't want to do any kind of filing.  I was determined to make good on what we owed, find additional customers, and get enough revenue flowing to take care of servicing our loans.  I met with the senior staff and told them of the situation.  They were shocked, and I was embarrassed.  Instead of listening to them, and to the people in the field, I had gone ahead on my gut feeling and made a big purchase on machinery, and then the company that was supposed to make use of that capacity pulled the plug.  I was left with a big bank loan for the machinery and a whole lot of egg on my face.   The senior staff wasn't too angry.  How could they be, publicly anyway.  I owned the company and I signed their paychecks.  I suppose privately they were upset and cursing me, and I deserved it. I had blown it big time and I was now endangering their livelihood and their lives.  I was totally upset.  I had to pull out saving the company.  I had my job cut out for me.