My husband and I took over a family business and signed an agreement that we would pay his mother a monthly payment with 9% interest for 3 years to pay her back for the business and if we do not pay, she takes the business back over. The business does not bring in enough income for us to pay our business and personal bills so we told her that we would only be able to pay her 1 more month. She has decided to close the business after that payment. Who is liable for the customers refunds? Who is legally going to be blamed for closing the business on its customers?