Lord show Sabitha what she needs to do to come out of this situation. Give her wisdom and knowledge to overcome this obstacle. Sabitha , you should make a list of all your creditors and call them and see if you can make a payment arrangement. If that does not work then you need to seek credit concilling. It is not God's intent for us to live in debt. I am in the process of doing that myself. Take control of it, don't let it control you. Amen