If you're going through a tough time financially, I've been there a few times and I hope this can help.
When I was younger I didn't care about my credit and finances, but once I got married to Nicole I knew I had to "grow up."
Our first 12-years were easy sailing. My wife was a stay-at-home mom to our daughter Simone. I was making great money, paying all of our bills on-time, and my credit score was strong!
But then I lost that high-paying job and my new position only paid a 1/3 of what I was making.
This was a Sonny that my wife wasn't used to seeing. Suddenly I couldn't afford to pay our bills, my credit plummeted, and the bill collectors started calling.
So, my wife and I formed a plan. We would always be "Team Delfyette", praying with each other and never blaming the other.
There was peace in our home.
Then we tackled #2, the bill collectors. We answered the phone and told them why we weren't able to pay, and every single one of them worked with us.
My credit was wrecked, but God provided every single one of our needs, and the bill collectors stopped calling.
It took a few years to rebuild my credit, but it happened. We climbed out of that 'debt-hole' together all while holding onto God's Hand.
Now I know not everyone has had agreeable interactions with bill collectors so here is a great link on how to deal with bill collectors' phone calls.
Hope that helps.