My Husband and I and our daughter moved across country 8 years ago, so that I could be closer to my mom and aunt in their last years. My mom was having serious health issues at the time and my aunt was fine but now they have both died. My husband really wanted to buy a business and started looking as soon as we moved . I found a job, I am a chef and it is pretty exhausting work. My husband found a restaurant that he wanted to buy and even though I really didn't want to do it I agreed because he just would not let it go.I wanted to wait till we could find something that we both liked.We had already burned through 20,000 of our savings because he would not get out and find a job, I was terrified that if he didn't do something all of our savings would be gone. Well, we bought the business and it has been pretty much of a disaster, we were ok financially for a while after the economic crash,we live in a wealthy college town , but the last two years have been terrible. All of our money is gone and we are barely getting by. We are underwater on our house and no one will refinance it because my husband took out a lien on it 2 years ago.I feel like my life has completely fallen apart and I don't know where to turn..I have worked like a dog in the food business for 30 years and now I have nothing to show for it. I feel like such an idiot and a failure.I dont know why the heck I went along with him buying this money pit.I feel so incredibly guilty to our daughter, all of her friends get to go to Europe for vacations and drive nice cars etc....not exaggerating... and we cant even afford to go to the beach for a few days.She will be a senior in high school next year and we have no money for college. I dont know if we should file for bankruptcy or not...what will happen if we do?I know that we wont have any credit for a long time...but will I lose my car? I need it to find another job if we close the restaurant,should we find a lawyer?We are so exhausted and depressed we dont know what to do.