Ok, best thing you can do, asap, is get yourself to the CAB and they will ( hopefully) offer you a debt counselling service who will intercede on your behalf with your creditors.Most creditors will accept interim arrangements, preferring to settle for £2 a week rather than nothing but they will usually behave more responsively to an agency such as CAB.If you join Mudcat, you could pm me as to how you're getting on and I'll offer more suggestions if I can.