At one time, I had a successful IT consulting business as the sole proprietor and employee. Like many other IT folks, business dropped off a cliff. While trying to find either consulting or full-time work, I drew enough salary to keep my house and feed my family. Over that period of 1.5 years, I accumulated a lot of business debt, about $40,000, most of which is at a 6% rate as a line-of-credit, the rest in a business credit card. On top of that, I also racked up quite a bit of personal debt. I've had a full-time job for...