...lien on your business? I have incurred over 100k to keep my business going when times got tough my business now takes care of its own and i break even barely the card payments are killing me even though i am making them regularly i am sick of playing balance transfer and if my business suffers or slows down i am in trouble my question is what do i need to do to settle with card companies and what effect will it have on my business can they put a lien on my business i am sole proprietorship no corporation should i incorporate if i am gonna do debt settlement any feedback woud help thanks.