Okay, so basically I moved out from my Mom's house almost a year ago. My job was paying decent money; but after I moved out the market slowed, and they changed my pay structure to soley commission. Times became even slower and I started to fall behind on bills because I was not making enough. They I pretty much got switched from payroll to 1099. So now I am an independant contractor, and my bills are way to high. I can't afford to pay them. I want to; but there is no money to pay them.