It is only when you are unable to keep up with the payments that it becomes a problem. When something unforeseen happens and you have a lot of extra expense, you might find that you can't keep up your payments or even pay your everyday bills. If you have suffered a bereavement, separation, illness or some other family problem, you might feel too upset or too embarrassed to contact your creditors at this stage and tell them you are having problems with payments. Paying whichever creditor is putting on most pressure. At this stage, many people are so upset by their problems they can't sleep at night.
Many people become ill from worry.
If you are not coping, it is very important to get help. How to deal with debt by yourself Most creditors are very understanding when they know you are having difficulties. If nobody contacts them to tell them what's wrong, they think you just haven't bothered to pay. The following steps will help you. This should include all living expenses, otherwise you will make offers of payment you won't always be able to afford.