Clients are gone, lots of debt, what would you do?
level2: I'm currently an entrepreneur in waiting.  By that I mean my last credit card funded gig tanked (don't ever depend on people not doing what is exactly NOT in their own best interest) and I'm waiting until this 30% APR debt is off my back. I'm doing this by working a full time job and freelancing on the side.  I cannot stress enough on how important it is to have that full time job.  No matter what happens with my freelance gigs (I've noticed a lot of clients asking about 'payment plans' lately), my full time job has those minimum payments covered.  Of course these minimum payments would disappear much faster if it wasn't for those student loans (just applied for 'Economic Hardship Deferment') so whatever you do, don't do something stupid like go back to school where you pay someone so you can do more work.Get a job, pay off debt, and learn from your mistakes.  Semper Discens.