All happened and/or happening to me right now. I'm soooo sad. Mastercard people keep calling me every other day asking me for more money. I'm basically a broke grad school student working 20 hrs/wk. My bills severly outdue my monthly income. I'm about to not pay a lot of them in October, it's just so sad But I know for sure I'm paying my electric, phone and car note if nothing else. It's just you try so hard to make payments on time every month, and then if you mess up one time, your credit goes haywire. The key, well for me, is to just be appreciative of the things that you have and try not to worry too much about the negative. Don't worry about paying your bills on time, just do it. Don't worry about losing your job until you get laid off/fired. I will pray for both you and Marie.