Reply #26: Thank you for making this attempt to help others. [View All]

[TexasObserver]

Anyone facing a period of unemployment and therefore lowered revenues should remember this:

Keep your cash for what you absolutely, positively have to pay. That means you have to be able to pay for:

1. a place to live
2. electric, gas, water, phone
3. food
4. auto insurance
5. auto payment

You cannot get by without paying these items, so if you must choose between paying them and keeping your credit intact, you must survive to fight another day. Don't be too proud about it. Everyone has bad times, and when you're in it, strive to survive.

There are approved groups who will interface with credit card and other creditors, and they will help you get your best deal, often free of charge.