Hello. Human who did this.

This advice is extremely glib and more of a headache than you're is making it out to be. Sure, there's techniques for deal with this shit. It doesn't change the fact that that it's still a giant pile of shit to deal with, and it would just be much better if we as a collective society didn't allow one medical emergency to cause problems for you of this magnitude.

Also, if you're trying to be your own business and your credit is ruined, what do you think happens to that business? My guess? OP was right, and he has to end it all.