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cna you ring the people you owe money to and make an arrangement? I let my bills get away from me and got phone calls and really nasty letters - couldnt afford to pay them when I realised what I had done - so I rang them and explained and told them when I could pay them and they said ok
worth a try?
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Its not how many times you fall down that counts 
its how many times you get back up! 
(Thanks to fenrir for my Picture  )
When you have come to the edge of all light that you know and are about to drop off into the darkness of the unknown,
Faith is knowing One of two things will happen: There will be something solid to stand on or you will be taught to fly.
by Patrick Overton, author and poet
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