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I ascertained that she was alive and conscious, and then much discussion ensued about how to get me to the scene. One of the good Samaritans who stopped to help offered to pick me up (Kelly was driving our only car). But traffic had been stopped in both directions on the parkway. It was only two miles away. I grabbed a backpack, my iPhone, and lots of reading material (ever been to an emergency room?!), hopped on my bike, and pedaled furiously in the rain..
I finally worked out a repayment schedule with AmEx. One thing nice about doing detailed cash planning, is that it strengthens your resolve, and helps you avoid commitments that come back to bite later. At first they let me get by with paying $100 every couple of weeks as a sign of good faith. Of course, what really hurt was losing all the points I had accumulated. I was tempted to use them up prior to becoming delinquent, but figured that would not look so good.
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Have you ever tried Activity Groups? They're a great way to meet people with common interests in a safe, fun group setting. You can join a group that's already been created, or you can create your own and invite all your friends to join ... and their friends ... and their friends ... you get the point.
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But listen - I am not the only one. These stories are repeated a million times over out there in small-business land. I know - I talk to customers every day. I see their financials. I am not the only one who has war stories about business survival.