OK, you've got yourself into a bit of debt, but it's not the end of the world. You've just miscalculated, that's all. The minute that you start taking responsibility again, you will start feeling better. If seriously in debt, then contact your creditors before they contact you. Believe it or not, they do not want to take court action unless it is absolutely necessary.
Nothing annoys a creditor more than someone ducking and diving.
If you know that you are getting into difficulties, talk to your creditors. Don't ever forget that, in spite of the obstacles that constantly surface to make life just that bit more bloody difficult, money is not your Master. Remember that people get into debt for any number of reasons. The ensuing depression that sometimes accompanies such a dramatic change in circumstances can make it even more difficult to summon up the will or the energy to deal with it. The trick is to face these things head-on and devise a method of dealing with them.