<prompt> Human: Ive been working for one of the big 3 car manufacturers for 2 years. Was laid off not to long ago and went from making approx 600-800 weekly to barely making over 330 weekly. I have picked up 2 additional part time jobs which arent really giving me any hours. Right now I pay 850 in rent, 350 car note, 270 insurance plus the utilities and credit card bills. Ive started to fall behind on bills and I have let the creditors know about my situation and all they say is well we dont have any programs for people experiencing hardships. If you cant pay youll be charged like that helps some of these companies Ive been with almost 10 years guess that doesnt matter. Anyway my question is what do I do? Ive never been put into this situation as Ive always worked and been able to cover my expenses. Credit card debt is probably around 6k. I hate not being able to safely provide for my family and wife. Drowning fast.  <response>: Is your wife working? 