Do you enjoy what your doing? I know you inherited this business but is it something you want to do or do you feel obligated to keep the business going?

Answering these questions is a good place to start as your WHY needs to be identified and its your WHY that's going to carry you through especially through the difficult times.

If you are passionate about this business and want it to succeed you should look at increasing your income as much as possible and reducing expenses. I know some businesses have sold their offices or cancelled their rentals to save money as they will provide online consultancy going forward.

Paying off debt is always more effective if you approach it from a behavioral point of view. Pay off the smallest debt first and then move to the next smallest and so on. Once the debt is gone, take its payment apply it to the next debt. The payments will get bigger as you go along.

Good luck. Certainly contact me if you need financial coaching. Just focus on what you really want out of life first. Your plan will evolve from there.