Just contacting the creditor will improve your credit status. Contact the Department of Social Welfare and your local Community Action Agency to find out about programs like Food Stamps, Fuel Assistance, and Medicaid. Salvation Army and the United Way may also be able to help you. Look at the reasons why you can't pay your bills. The more important thing is if you are capable of providing the goods or services that you plan to sell.
Persistence is the key to success.
When you hit roadblocks, ask for help and find ways around them. Get involved in groups that include other business owners. You'll see that you are not alone and may get some ideas on new ways to approach things. There are many opportunities to attend workshops and classes to provide you with the knowledge you need.