My husband suffered a catastrophic illness seven years ago, and I assumed ownership of his small business (llc). He is no longer legally affiliated with the company, but a few credit cards are still in his name. Due to ongoing medical costs, I am unable to pay off these credit cards, as well as a business line of credit. How will filing bankruptcy affect each of our personal credit ratings, and our personal assets. I don't want to file for bankruptcy, and would prefer some other solution. Is a debt negotiation company a wise alternative? Our business debt is approximately $100.000, and personal credit card debt approximately $24,000. Our only other debt is our home mortgage, $1,550/month. We do not own our business building.Thank you.