Your company''s creditors are literally or figuratively breaking up furniture in the waiting room. Your key sales manager has resigned. The company''s credit lines have been cancelled. You can''t pay for advertisements placed six months ago. The process server brings ten lawsuits a day demanding payment. Your accounts payable clerks cannot stand the stress of taking dozens of calls each day and not having a new story to tell the creditors. The production department lacks raw material to produce saleable merchandise. The bank is calling you persistently for an updated financial report. A reporter for one of the industry''s trade journals is calling to confirm a rumour that your company is in deep trouble. The stress is building and your head is pounding. Your lawyer encourages you to meet with a bankruptcy attorney. The attorney recommends that your company file for protection under Chapter 11 of the Bankruptcy Act, explaining that ‘this will give you time to reorganize, perhaps six months, during which time no creditor can put you out of business”. If this is happening to you and your organisation then I have a solution for you.