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They can also help you to work out what your payment priorities are: it's important to keep up the gas and electricity payments or you risk being cut off and you can be fined for non-payment of council tax, for example, while unsecured loans or credit card bills are lower down the priority list.
Speak with credit counselors who may be able to help you work out payment plans with your creditors and adjust your budget.
Tell your creditors why you are struggling and ask them to work out a modified payment plan so that your payments are more manageable.
In fact, it's possible to close credit cards that still have balances; you just have to work out payment plans with your card issuers.
If you call and let them know you are in trouble, most are willing to work out a payment plan by temporarily lowering your minimums or deferring payment for a couple of months until you are working again, etc.
Maybe your doctor or therapist can work out a payment plan, she advised.
A debt adviser can help you work out a payment based on a pro-rata distribution of your available income – this means you offer all your creditors a fair share of what you can afford to pay.
Often you can work out a payment plan with the hospital whereby you pay your bill in installments rather than all at once.
If you are dealing with a debt, it may be a good idea to simply talk to your creditor and see if you can work out a payment plan that suits you both.
If you can't pay your bills in full, call the company and see if you can work out a payment plan.
Find out if they'd be willing to work out a payment plan, to help you avoid the necessity for taking on debt, or decimating your emergency fund in the short-term.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com