Don Brown is the owner of a profitable carpentry shop which is outfitted with all the necessary tools and machines to make any kind of furniture. However, business is really slow and Don is basically broke and is struggling to pay his bills. He was just recently divorced from his wife and also has to pay $400 per month in alimony and child support for his three children. Numerous creditors are seeking payment from him for goods and materials he would have ordered from them. He has his tools and machinery and household goods and a used BMW. He also has a whole life insurance policy which has accumulated a good amount of cash value. If the tools and machinery are valued at $100,000 and the household goods are valued at $50,000, the BMW which is a vintage model is valued at $80,000. What can he do to eradicate a debt to his creditors of $280,000.