I am in a similar situation. I owe a few people here carburetors and or carburetor work. I've not been able to recover from all of the ice storm damage earlier this year. Then I totaled my truck. Then, Kitty lost her job. Then, we fell into foreclosure. Now we are facing bankruptcy. I THINK we may have worked something out on the foreclosure, not 100% sure yet. But we have been barely scraping by. I say all this because unlike the situation with Dan, I am NOT going to disappear. I have answered all emails or phone calls regarding any deals and my customers have been more than understanding. I could not afford to give a refund right now if my life depended on it. If someone wants to get mad and sue me, then I will just have to add it on the pile, but I am not going to avoid anyone or hide. I am right here, until and unless it gets to where we cannot afford internet access. And if it gets that bad, it will be really bad because that's how I pay what little bills I can pay now. We just thought 2013 was bad. I wish now we had it back.