Martina, is there any way your husband can get a better paying job? It just seems a little backwards that you are struggling with illness and he is working a job that carries relatively little pressure.

This may not be much comfort to you, but if your credit gets dinged its NOT the end of the world, especially at your age and at this time in history. There will be plenty of people in the same predicament. I know you probably had plans for the future that relied on maintaining good credit, but the stress of it at this point in time simply is not worth it.

On the practical side, you can call the companies that finance your vehicles and have them tack the payment for the next month on to the end of your loan. Most will do it in cases of emergency. Some of the credit card companies may do it as well.