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These include shelter, food, heat, lights, transportation and whatever else you need to be able to work such as child care and phone service.

Credit scores can recover. For now, focus on the basics.

The foreclosure process typically takes several months, Wants to help with bills means you could stay in your current home for free while you try to fix the rest of your financial life. Virtually any skipped payment hurts you somehow. While tossing a few bucks to your credit card issuers or collection agencies may temporarily get them off your back, such payments are ultimately pointless if you wind up erasing your debts in bankruptcy or entering a debt management plan.

We suggest you visit both a nonprofit credit counselor and a bankruptcy attorney sooner rather than later. Consultations are typically free.

Many states allow you to be arrested for failing to respond to a court order to appear about a debt. Want to take action? Track your spending and find ways to save Want to dive deeper?

Discover ways to lower your bills Want to explore related? Read our guide to frugal living.

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