My question involves bankruptcy in the state of: NH

I own a business that has ground to a sudden halt as a result of economic conditions. I lost most of my savings in a divorce and as my business has deteriorated I have been forced to spend down most of the remaining balance--- which will disappear within the next two months. I am trying to sell my house, and if I am successful doing so in this dismal market I will be out of the woods for a little while longer. I've also started looking for a full time job, but that will take some time. I have an excellent credit rating.

Here's my question: If I do absolutely run out of money, what should I do? (For various legal reasons, cashing out my IRA is not an option.) Should I wait until I'm out of money, then call credit card companies and my mortgage bank? Should I call them in advance? I'd like to preserve my high credit score if possible, but common sense tells me that is unlikely. Should I consider starting a bankruptcy filing immediately?

Thanks for your help.