I am here for you and can totally relate. I was without a job for quite awhile. At first it didn't make much of a difference (unemployment), but when that ended trouble started. I finally got a job in a field totally different from what I used to do. The pay is low, but it helps a little. Hang in there. Pay what you can on the enormous bills. If you show some effort that you are paying, they should leave you alone. Even if it is $25 a month.