Contacting Creditors

Try calling and asking if they have a hardship program.

usually when your in a jam, i would try to call them like soaplady said and request if they have a hardship program. sometimes they wont do this until you become late but it doesnt hurt to try it before you are late. if they wont work with you wait a month or two and then see what happens. keep in contact with them explain you just can make it work and what can they do for you. if you can work the program go for it if not wait and try to work out a settlement with them. but this will require you to not pay them at all until you reach a agreement and keep in mind your credit will tank and if you wait too long you may end up in court. i suggest you read up on settlement and how to go about it if you cant seem to work out a hardship program with them

good luck to you!