My biz down about 40%. Running out of money and options. Yeah I know I f'd up, but what can you do. I definitely have learned a major life lesson with this. Phone rings off the hook all day long with bill collectors. Home, work and cell. Driving me frigging nuts. How do you handle a bk and your firm? Who do you tell and when? If I could wait till the forefront bonus in Sept, if they even pay it, I'd be ok, but I dont think I can hang on that long without crap like garnishment and levy's starting. Other FA's I know, many facing the same problem. None know how to deal with this. We could take deals, but I have been down that road before and Im not willing to imperil myself any further with a deal that may not work out.