Gemini is a sole trader who runs a small business importing handcrafted furniture from Indonesia for sale in Perth to local consumers. Due to the restrictions caused by COVID-19 however, the business is not able to import furniture and for 4 months, Gemini has run down the stock and now has an empty warehouse.

Gemini has several creditors who have been patient and understanding during the pandemic but are now demanding monies owed. This includes back payments of leasing fees on the warehouse ($6000) as well as utility bills totalling $2400 (electricity, phone, internet). Gemini owns a semi- trailer truck used to collect and deliver the furniture to clients but sold the truck for $45000 last week and has put that money into her superannuation fund as a voluntary contribution.

Advise Gemini and the creditors on any courses of action they can take.