Toys “R” Us faced a $400 million debt payment next year. : If you’re a retailer and you’re not Amazon or Walmart, life can be very hard. The bankruptcy filing by Toys “R” Us on Monday is just the latest example. • JPMorgan Chase and others will lend $3 billion to help the company keep operating and paying employees. “As part of the restructuring process, Toys ‘R’ Us plans to close some underperforming stores, according to people familiar with the matter.