My job situation had slowed down, my husband had gotten laid off, i've been using my benefits to keep the house up and runnig. But i can't seem to get everything paid on time. I guess you could say.........i have been robbing peter to pay paul. I need a way to pay everbody, just in one simple payment. I know it takes time, but the creditors call all of the time, day and night.from early in the morning til late at night. We're at the point of getting our stuff repoed.it's not a lot, but, before all of this hardship, i paid everything on time, or in the alloted time.