While I didn’t personally experience this, my dad went through bankruptcy and fairly hard times after the ‘08 recession and I learned a lot. Not all credit is

While I didn’t personally experience this, my dad went through bankruptcy and fairly hard times after the ‘08 recession and I learned a lot. Not all credit is made equally. Don’t mortgage your house to pay credit cards, you can default on them and keep your primary residence. Don’t pay off debt before you break into your 401k. 401k’s are off-limits to creditors. And if you can’t pay something CALL them sooner rather then later. Most creditors would rather let you miss a few payments than default. And lastly, prioritize keeping yourself healthy, fed, clothed, and housed if it comes down to it. Being honorable or maintaining a good credit score is 100% bullshit compared to your health and well being.