I opened this SDI to invest money in my nephews business. He used all of the money to start, but the business folded up, my account shows the original value even though there is no money in the account? I would like to close the account because I am getting charged 10% of the original value yearly but the investment firm will not let me close it? My nephew doesn't want to file bankruptcy and I can't close it unless I prove one of the following. FINANCIAL HARDSHIP, PROOF OF DEVALUATION, DEATH, OR TOTAL DISABILITY?? What can I do????? Please help! I currently owe the invesment firm 2 years of fees.