It's a sickening feeling when your debts start to stack up, your marketing strategy is failing, and it doesn't look like you'll ever be profitable. Your loved ones are becoming anxious, your company can't pay its bills, and customers are starting to make angry phone calls asking why the things they paid for aren't happening.

Never ever fear. When you truly want to, there will often be ways to raise funds for your company. You probably have all sorts of bills for things you don't use, not to mention possessions that could possibly be sold or downgraded.

The only factor you should actually attempt to protect is your home and some money for basic food - everything else is expendable. Never forget that the worst thing that can actually happen to you is that you will need to go out and get a job. Would that truly be so tragic?

Fear is your adversary in business. You cannot give in to your fear and give up before you've given it your all. The real reason why so many home and small companies fail is that their proprietors chicken out and run away at the initial sign of trouble.

Rather, raise capital by asking a financial expert about equity capital markets. They can help you direct your company towards capital equities.

When the chips are down, the only thing to do would be to stake your personal success on the success of your company. After all, what's the point in bailing out just before you need to? You're guaranteed to lose money that way.

Someone once told me that the difference between an average Joe and an entrepreneur is this: the entrepreneur will not give up on a company until his creditors come and take every little thing he owns. And even then he may attempt to hide from them and keep things in his buddy's basement.

If your creditors are at the point of knocking on your door, you should try to get a voluntary agreement from them before you even consider declaring bankruptcy.

This is when you work out your debts down to a lower level employing the threat of bankruptcy, and your lenders sign an agreement with you to say that they'll leave you alone as soon as you've paid that money.

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Well, when you open your mailbox and there is, yet again, another red stamped form letter marked 'Final Notice' on the front. Let us see what we can do to begin getting out of debt.