Our expert says:
Sorry to hear of this awful and dispiriting situation, but pleased to hear that some changes are likely in the near future which may let things improve. Is it possible to talk things over with your bank and any other creditors, who may recognize the sensible position that ruining you now is of no benefit to them, whereas accomodating you and enabling you to make things right as soon as you can, is wise for them, too ?
Excellent responses from other readers, here
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