lost, afraid and confused-please help advice

[miss.ERable]

I am so confused I don't know what to do, can anyone help me ? I know this might seem jumbled but please read and let me know if you have any advice - I'm so lost and afraid

I have a VERY small business.
I have a small location I put a lot of work into and I can't find anywhere else that I can afford. For this lower price I have steep stairs and hard to get parking

I started it about 2 years ago and it has grown a little.
I had a surprise pregnancy and was working 5+ days without having to pay for daycare. Now I have one day my hubby watches the baby part time and I can only afford 2 days of daycare and condensed my regular clients.

In the summer my business started growing fast and I brought on another person I trained to cover my overflow that I could not handle - with a promise that that person would stay on I invested in things I needed to make more clients comfortable in the space and in software to include new workers. I ended up spending about 5,000 thinking I was going to start building up and then my newly trained person ( which is EXTREMELY HARD TO FIND) had things to take care of at home and could not continue with me. Then the economy took the famous dives we all know about and my business is a luxury beauty business and even my regulars are coming in less. Then to top it off it is my slow season now and it is really bad for a few months - I just don't know how bad. If I make it though the next couple of months I might be able to grow and do better for the next year but I just dont know

I am in the process of getting ready to file a chap 7 for my personal
My hubby is NOT filing but I am worried they will try to go after him - his name is not on any of my cards - one of the cards he had a card but I had his name removed and he never charged a cent. He never signed on anything

1. If one of the applications asked for household income and I included all the household income - is this going to cause problems ?
also they asked for approximate income - I know I was too hopeful - will that cause problems ?

2. I was told that I could stay open but I should change the name of the business so that the credit cards could not go after the business ( single LLC) I dissolved the LLC and have done a temporary name change.

I have never brought home a paycheck I have always paid my bills and up until the BK I might have been late 1x on bills and always paid a bit more then the minimum

my husband makes a decent amount but we pretty much live paycheck to paycheck as we have a lot of debt at home.

Part of me thinks I should just come home and take care of my baby since I won't probably make a paycheck for sometime. The other part of me wants to keep open because I have been honing my craft for almost 10 years and have acheived many things in this industry that most don't. I do LOVE my career which is why I can go on everyday without making money. I have clients that will feel as if I am abandoning them as there is not anywhere to go for the same quality. Plus everything I have gone through to get this opportunity.

Am I doomed for failure? Lawyer doesn't think they will take anything but says it
is always a possibility. I owe about 25,000 to 3 creditors and my whole biz stuff sold would not take more then $3,000 if that ( Most of these things people would not buy used)

Any advice or anything ? Sorry for the jumbled mess ( that just reflects where I am at right now)

[jessegirl]

You say that you have spoken to an attorney, did he do a means test for you? If so, did you qualify for a chapter 7? Your husbands income would count as income coming in to the house, even though he is not filing with you. As far as your business, You may be able to write it off under the exemptions for your state? Are you keeping your house? Do you have car payments? I cannot tell you weather to file or not, only you and hubby can make that decision. You only have 25K in debt and its hard to live? When did you change the business to LLC? If it was recent, not sure if that will look fishy.

As far as the amounts that you put on the applications, i really wouldn't worry about it. When is the last time you charged something? Did you recently aquire the charges? These is alot of information that is needed in order to help you out.

[miss.ERable]

Sorry, misunderstood

NO the 25,000 is debt from the business only.
the household debt is separate. We are keeping the house. My husband is not filing. The house is also not in my name. Only my husbands ( has been this way for years). Lawyer said we could keep house and 1 car each ( that is all we have)
I AM filing. I am not asking IF I should file. I have no choice - We did the means test and qualified for chap 7.
I just am wondering what to expect from the creditors and what they are going to want from me. With my hubby not filing what to expect.
sorry for not explaining clearly - I tried. If any other questions or misunderstanding please ask

[miss.ERable]

Oh and (LLC)

Business WAS an LLC from beginning. I DISsolved the LLC ( I was told to change my name) planning to close down. Landlord offered to go month to month biz rent - I'm deciding to close totally or wait and see ???

I'm not sure of these dates but they are somewhere close
last charging was done in early September to try to drum up business for a "fest" that was in town. about $400
The point when I realized things were degrading rapidly when I had to cash a check(credt account) to pay the rent.
( that never happened before) I think that was before Oct first - so I knew AT THAT POINT I had to close and file for bankruptcy with the economy. Then my mind kept going back and forth. Went to Lawyer like OCT 15th.
So I think that was the actual "last" charge. UGGGGHHHH