I need to pull totals from various places on the spreadsheet, and add them if
they are less than $0.00 to get the total amount owed. Is there any way to
do this? So far, nothing I've tried has worked.

For example:
Group 1 Total is cell K12
Group 2 Total is cell K44
Group 3 Total is cell K61
Group 4 Total is cell K86

The totals change frequently, sometimes they are positive numbers and
sometimes negative numbers. I want to have them all in a function that will
add only the negative ones. Right now, I have to change my function
everytime a total changes from positive to negative and vice versa.