Hi, I sympathize with your plight. I'm self employed and have a franchise. It's got to the stage where I can't keep up with the physical demands of the job. My franchise has been on the market for about 3 months but no buyer has come forward. I finished up for the term yesterday, thank goodness, just books and paperwork to gradually complete. However, as I am no longer running the business I have had to forfeit the right to sell the franchise. It goes back to the franchisors. Bang goes my £10K investment. Thankfully I'm not the main bread winner, but a very significant blow all the same and to top it all my ancient Critical Illness policy doesn't pay out for PD either. I was hoping that would offset the loss of my business somewhat.