I know that just because I don't see things improving,

[essa]

If you can, look up Christians Against Poverty.  They will stand between you and your creditors and help with making reasonable arrangements for paying down debt.  I pray the Lord will help you through this really depressing and dark time.  Thou wilt keep him in perfect peace whose mind is stayed on Thee .  This true, God does give us peace inside our hearts as He helps us walk through the troubles of life together with Him.  He is our Refuge and Strength, our Song and Deliverer.  Kind Christian Love to you and yours.   Thank You Lord God for helping and being with this dear person.  In Jesus Christ's Name amen