Hi. I don't really know if this will help anymore. If you call the places where you owe money, such as credit cards, they can change the amount you have to pay. In fact, the longer you go without paying, the closer you get to them drastically reducing what you owe.

All you do at first is call their bill pay line which hopefully has a human you can talk to, and explain your circumstances and tell them that you want to continue paying, but not at the regular amount. They will be relieved to know that you'll still pay something. What you decide you can pay is up to you and the cc companies. I wish you well.