Creditors only want one thing… their money.

Do Not Ignore Creditors

Try to make an arrangement to settle arrears in a rational manner and one that you can reasonably afford.

Apply for hardship under the Uniform Consumer Credit Code.

Speak with a community based financial counsellor and see if they can help make arrangements.

If you have assets that can be refinanced to pay out the debt think seriously about that avenue.

Check if family can assist with a medium to long term loan.

Is a second job an option?

Most importantly make sure to do the sums to see if you are totally overcommitted or if you can actually work yourself out of the muddle.