I've been married for 11 months but separated for seven of those months. I don't want to get divorced. An annulment is a court order declaring that you were never married. Here, the suit must be filed within one year of the marriage. For the last five tests, you must not have lived together since discovering the reason for the annulment.
Annulments can be hard to come by because few people satisfy the requirements.
In fact, they are extremely rare. As you would expect, most marriages that end, end in divorce. The business bankruptcy will not affect the loan you made to the man personally. He still owes you the money. However, you have indirectly identified the problem in your question.