Despite the pressure you face it does not sound like you are owing large and permanently unpayable amounts of money. I would echo the advice of others and seek out both a debt counsellor and one of the officers at your church. If your church has a debt counsellor, even better!

Maybe one of the church deacons will be willing to assist your financial position to help alleviate the situation. They may also be able to give wise and gentle advice on your expenditures to assist you in ensuring incomings exceed outgoings.

Please do talk to your church. If you aren't linked to a local Reformed church post your location details on the Church Locator Forum and we'll see what we can do to link you up with one.

Yours in Christ,

James.