| I can't help with work, but I can suggest some steps you can take now: 1) Ensure you communicate with your creditors. Keep them in the loop - burying your head in the sand is the absolute worst thing you can do. 2) Create a budget describing your monthly income and expenditure. 3) Work out what you can lose. If you can cancel contracts for luxuries, downgrade phone contracts etc. - do so. Reduce your monthly expenditure as much as (reasonably) possible. 3) When you realise that your income doesn't meet your reduced expenditure; prioritise your debts. Priority debts are generally the debts where defaulting will lead to homelessness or prison. Ensure you pay these first. 4) Contact the remaining creditors and start negotiating over reduced payments. You'll be surprised how many will be happy to help. Don't accept no for an answer. If your financial situation gets far worse, your creditors ultimately stand to receive nothing - remind them of this fact. 5) Consider contacting a credit counselling service, there's a lot of (free) advice that's worth investigating. 6. Realise that this is temporary - there are a lot of people who are working through similarly unfortunate circumstances. You will recover. |