I do not care if you do not have two nickels to rub together. Never let them see you sweat. Even if you are operating from "hard money'; money that you do not have. Show up in a suit and tie, even if the suit and tie come from K-Mart. Also, try never to operate from "hard money" but shit happens. If you are operating from "hard money", never let them know that. My Grandfather, born in 1897; an apprentice blacksmith at 13 in 1910 and a Journeyman in 1914 told me this and he saw The Light and got out of horses and into motorcars! He did well. I have his blacksmith tools, made by him. Your creditors cannot hang you and they will not eat you, so get busy; make an internet life and income. Never give an inch and go for The Gold. My $.02.