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Re:Beware self-funded Startups: failure can haunt you for a ... by StartingOver on Sunday December 05, 2010 @02:03PM (#1972341)
The answer to that can make a big difference.
Re:Beware self-funded Startups: failure can haunt you for a ... by gte910h on Sunday December 05, 2010 @04:11PM (#1972702)
Talk to a bankruptcy lawyer. Initial consultations are free with almost all lawyers. Bring tax returns, summaries of your income, etc.

I honestly don't know about the other two. I know one of them was pre-2005 law.