<prompt> Human: Throwaway because of this embarrassing situation. My husband and I are doing our best to make it. Some unforeseen issues with our home we own has drained what savings we had, and our credit card balances are high. We both work at small businesses, and during winter dont get many hours so its hard to lay out our actual budget. Im behind on my cell phone bill of 167. This may not seem like much for some but for us its a lot. I could pay maybe 50 on it now but would mean skipping on another payment. I guess my question is should I pay the 50 on it, or what other options do I have?  <response>: Please call the company and explain the situation. Pay what you can now and make arrangements to pay the rest as you can. 