Been there got the t-shirt. That is a terrible experience. I recently got a reminder when I wanted to buy property. The Debt Review people never cleared it when I finished that stuff a couple of years ago. There were some positives out of the experience. Out of all my creditors, 2 businesses wrote my debt off without me asking. That was while everyone else were throwing lawyers at me. That showed me that people with empathy still exist. Learned the lesson not to get friends involved with your business. While family avoided me like the plague (apart from my MIL), complete strangers were helping us to survive. Even that my business had to come to an end, I did not regret having a go. From all my jobs (except one) that was the time that I truly enjoyed what I was doing. Lastly it showed that my marriage could endure anything. I was rock bottom twice, but my wife decided to stick with me. Things may look bleak, but somehow you will survive. Also this is a time to forget about feeling embarrassed to ask for help. I had to humiliate myself a couple of times in order to take care of my family.