Before you panic about your SBA COVID EIDL going to Treasury collections, ask this first: did you personally guarantee the loan? Loans under $200K often didn’t require one — and that changes everything. Here are your actual options.
Five converging forces are driving bankruptcy filings in 2026: predatory merchant cash advances, SBA EIDL loan enforcement, sports betting addiction, trucking collapse, and agricultural tariff damage. Each represents broken math, not broken character.
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