The real issues here revolve around how, exactly, all this debt was incurred - you say that there is a mortgage involved. Did the S-Corp, itself, assume that liability, or did you have to personally guarantee it (I'm guessing that's the case - few S-Corp's have debt solely in their name). You'll need to consult with a bankruptcy attorney - this is too complex to try to resolve on your own.
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Sounds like you can't afford not to have any attorney. Talk to family and friends about giving you an early holiday gift to resolve this problem, because the longer you wait, the more you will suffer and the more it will cost to resolve these problems. Hope this perspective helps!
The bottom line is you can't afford NOT to have an attorney. You need a firm that handles personal and business bankruptcy. You may also need someone to handle a short sale or foreclosure. Not having an attorney now just means you will need one later to try to clean up the mess after the fact which may end up costing you more.
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