Chapter 13 may be an option for you depending on what type of business you operate. If a corporation and you want to continue operating then you need to look at chapter 11 but if you are a sole proprietor then you should consider chapter 13 options.
Mr. Larkin is licensed to practice law in CA and is located in San Diego. His response here does not constitute legal advice and does not create an attorney/ client relationship. The response is in the form of legal education and is intended to provide general information about the matter in question. Many times the questioner may leave out details which would make the reply unsuitable. Mr. Larkin strongly advises the questioner to confer with an attorney in their own state to acquire more information about the specifics of their case.