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The bad thing is you have like a week to get this filed as the new laws go into effect very soon. While you may be able to work your way out of this you have to decide to file or not ASAP. After the 15th I wouldn't file and would just call all my ceditors and make payment arrangements. Ask them if you can cut your payments in half for 6 months so you can get on your feet. Then go out and make your site work. You will find that while a lot of ppl on here love to give grief there are as many that will help you with your site and make it work. Good luck man!
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