First, take a deep breath. Second, approach the situation honestly. Honesty does not mean you need to approach everyone on your knees. Most of your creditors l

First, take a deep breath. Second, approach the situation honestly. Honesty does not mean you need to approach everyone on your knees. Most of your creditors likely do not know what situation you are in right now. Many people actually enjoy finding creative win-win solutions. You never know unless you ask. Third, good luck. Looking back at the low parts in my life, they all worked out one way or another. Without challenge and without hardship, I would not appreciate what is good in life. Learn what you can and always remember to smile :)