I know a woman who had to compile her bills and turn them over to a bill consolidating service that worked with the people she owed. Apparently, the service told them what they could pay each month and they chose to accept it. I guess they thought it was better than getting nothing. I can find out the service if you'd like, but I'm sure there are some in your town.

I'm sure you've already considered what you can do to cut expenses in the upcoming months.

Sorry to hear you are facing a tough financial time. You are always welcome to hang out at BWS. It's FREE!
Founder Emeritus of Boomer Women Speak and the National Association of Baby Boomer Women.