Clients are gone, lots of debt, what would you do?
tsally: Not sure if it is an option, but see if you can go back to school.  You get try to get some no interest student loans, and work to pay those off while you complete your degree.  Given your experience, you should be able to make a fair bit of cash during slow semesters or over the summer.  School is a great place to ride out tough economic times.