I don't know what the laws are in Illinois, they may be the same as they are in Ohio, which is they can attach your wages until your debts are paid off. A state such as Pennsylvania (my home state) does not collect wages and therefore has less bankruptcy. (Not getting political, FYI, stating a fact) When Bush (the second) was in office as the president, he changed how bankruptcy worked. It's a bit more difficult to obtain now, but it can be done. With bankruptcy, they usually can't attach your wages to what you owe, so that is a legitimate option. If you can find a lawyer willing to work with you, which will also cost you money. I do recommend that you don't file for bankruptcy. It can destroy your life. My parents did it when I was a kid (I'm now in my 30's) and they've never recovered. No joke. My wife, before we got married, filed for bankruptcy and it just absolutely KILLED her credit. Her score was among the lowest I'd ever seen. Fortunately, she was getting loans for schooling and because she was making her payments, that was getting recorded onto her credit report. That, plus our income level, made the creditors feel better about providing us lines of credit. We do have credit cards now, we do use them, but we're far smarter about it than she was before. She at one point had a card that had a $10,000.00 line, now, she can only get $800.00. That's not a complaint, btw, a smaller line is much easier to deal with, it's just goes to show you how you can quickly screw up and be overwhelmed in a heartbeat. What I would say is stick through it. Before getting pissed and closing the window, hear me out. Plenty of businesses took a massive loss to begin with and then slowly climbed out of debt and became a success. It's going to hurt now, it's going to get worse (yes, even more than this) before it gets better, but it will get better. This is September, we haven't even hit October yet. The pseudo Christmas season hasn't even begun yet, even though Walmart has begun their layaway program (which most places seem to follow, at least around here in Ohio) but it will around the mid point of October. November? Definitely will have Christmas pick up. December? Everyone needs a last minute gift. Heck, these are so gimmicky that if I was at the mall, I'd actually buy one. It's an impulse buy kind of toy and there are plenty of impulse buyers out there. See if your family will help you with a loan (out of their own pocket, not a bank, that's just begging for disaster) to help you get through the month, if you can get through this month, I think you could get over the hump and get a real chance to sell these things. I do think that once Christmas is over and you're heading into January, you should get the hell out of Dodge, but you're panicking (I understand why) and you need to calm down and think it through. You need to calm down and look at all the options before you do something drastic. Without filing for bankruptcy, which I don't recommend, breaking the legally binding (let me repeat that, LEGALLY BINDING) contract you signed with the mall is a BIG no no. Yes, they can come after you. If you don't have any assets, they'll wait until you do! The instant you get something of worth in your name, they'll come and claim it as is their right so they can be compensated for their time, space and money. It's hardly fair to them for you to buy space from them, which could've gone to a vendor who could make money, then just say "Welp, I'm outta hurr!" and take the money and run. Literally. I know you're scared, I know you're worried, but you've got to calm down and think it through. You need to talk to your family and friends (the sensible ones, not the "Duuuude, brah!" ones.) and get their opinion and plan it all out. Rush judgments and bad decisions will RUIN your life. Bad credit? Forget those school loans. Bad credit? Forget that job you wanted. (Heck, even fast food jobs turn people down for bad credit.) Need health insurance? Not with bad credit. There's too much you can do to destroy yourself.