Credit Advice

Well are you in debt, what kind of debt and can you keep up with it? Start by making a budget -- things you have to get are house, food, heat in winter.  Very modest budget for entertaining -- maybe internet only? Health stuff.  Think of what you can cut out -- go on a prepaid phone for emergencies only. The left is your income that you should spend on building up emergency fund and your debts. When you have done that and if you find you cannot keep up, call up the lenders and negotiate. I'd start with the secured debts first -- like house and car. I'd put unsecured debt last cause well if you ahve to default on it then you don;t loose the roof over your head or the movbility to function in this society. Explain to them the situation  -- they'd want to settle rather than you default. Yes sttlements will hurt your score. But it is not like you would be making major purchases without income anyways, right?

Oh and mean to say sorry to hear all thsi bad stuff ahs been happening.

Also contact social services -- they could help you with heat or groceries or what not.