Our expert says:
Call Lifeline in the first place, to work on these problems. Excellent advice all round on debt --- see a debt counsellor, speak with your bank, make plans and arrangements --- NO creditor would want you to get so desperate, and they'd rather get some of their money back when this is possible, thsan none of it back ever.
And meanwhile, take every job you can get in whatever time you have, so as to earn SOMETHING towards improving your finances. Can you stay with family or friends to reduce costs ? And of course cut out ALL inessential spending. You can sort this out
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