My question involves bankruptcy in the state of: Florida

I'm so very confused on what to do here...I feel like I have no choices...Husband is 100% stock holder in our business corporation...we have owned the business for 8 years its well established and still viable...because of the housing mess we have taken a huge hit am at the point I can only save the business or personal...because of the job situation in our area our best option is to keep operating our business...I feel like if I had 3-4 more months I could stablaize that area or our lives unfortunately this as it has for sometime leaves us unable to take a paycheck...

Personal is an absolute nightmare...we have three personal vehicle loans...We can't get rid of them, can't even get the banks to to take them back we can't afford to maintain them...I worked out something with my car...we have a mini van that is used by our corp (was my personal vehicle) and my husbands truck just sits in the driveway because it runs over $100 to fill the tank up each time...We owe around $30,000 on our credit cards, $38,000 on our home equity line $50,000 in student loans...We were able to get our mortgage modified but in order for us to maintain the arrangement nothing else can get paid outside the needs (food, elec, water, mortgage) I have the student loans on forebearance, I haven't paid on a credit card in months gave up on the big ones back in Feb and by June I couldn't even maintain the one's with the $10/month payments...got into some trouble with my checking account and electronic payments and it took me almost two months to get that account back into the positive...I have a balance currently of $3...

The business isn't in great shape either but its salvagable...We are consistantly running a week behind with payroll and have decided we have no choice but to terminate the remaining two employees (had 10 at one point in time) and try to do it all on our own...payables is a huge issue and we barely bring in enough each week to just cover payroll which is why we are having issues covering our overhead...We feel we can handle it on our own and break even each month and be able to take a personal income...but we still would not be able to pull the income we need to handle the debts...

So heres the question issue....

We considered a personal Chapter 13 which we can't file without a steady income for six months...if my plan on the business works out can we file chapter 13 without it affecting the business? In other words we would file in about 9 months...

Can we file a Personal Chapter 7 now without it affecting the business...Our tax returns and financials will and can show that we have suffered large losses over the past two years..but it will also show that their is a viable income and a salvagable business...the only assets I am concerned with are the vehicles we have two that are owned outright One van isn't that valuable and would need quite a bit of work done to it...One truck is worth about $10,000...we don't have any valuable equipment some hand tools and we don't carry any inventory most of of work is custom so what we have has been purchased for jobs in progress...Anouther issue we have with the business is we have a private angel investor who's been great to us...unfortunately we did not do the paperwork to protect his investment...technically their are loans on those two vehicles just no record of it...I know we can't go back and try to fix it now without it appearing to be fraud...nor can I in good concious stick it to this guy....a really big reason why we don't want to walk away and rebuild the business down the road...

What other options do I have...I've been waiting for a turn around but the phone calls have become too much to handle and the the debt just mounts..No one has filed a suit yet but I am getting lots of threats so I am sure this will come fairly soon...with most of our debts with collectors and lawfirms were more than likely too far gone to get with CCCS...I do not have a chunk of money to settle out any of them...if their is improvment in the next year or two their are possibilities but currently I know that at least one if not two of the three financed vehicles we cannot afford to keep and their is no money to pay towards credit cards at this time...I'm only just getting stable enough to pay our basics...