How can a person repay debt if his/her income decreases?

You should make changes in your budget and try to save the required amount for your debt payments. You can also try to earn extra so that it is easier for you to continue making the debt payments.

You need to cut down your biggest expenses like housing, transportation, food cost, etc as much as you can. Apart from that you can reduce expenses by shredding up small daily habits that can consume a good amount of money from your wallet.

You can also control your spending and save enough money to pay off debts by purchasing used goods. Find a thrift store and get what you need, but at a much cheaper price.