Answer: -I think Prosper.com may be your last best chance. Maybe you need to change your writeup. Potential lenders want to know about your past but, most of all, they want to hear your honest description of why and how you think you'll be successful this time. Potential lenders like to invest in people, not in businesses.Just be careful that any solution you decide on is not taken in desperation and quick judgement. The results could make your situation worse than it already is.I'm sure you realize it now, but others should learn from your experience that poor financial responsibility has very serious long-term effects that are extremely difficult to overcome. -I was going to send you to a link but I noticed that you've been to Prosper already. Go to www.score.org and talk to a counselor in your city and see if they can get you a meeting with the SBA. If you can sell them on the viability of your business you might be able to get them to guarantee a loan for you. You'll need a business plan and I hope you have one otherwise start working on one.