You have seen this coming for a long time but you buried your head in the sand and hoped it would all go away. First it was the overdue notices from the mortgage, car and credit card companies. Your husband who was in charge of the bills tell you that there was a glitch with payroll so he was not getting all of his paycheck. At first you believed him and dipped into savings to cover the short fall and expected things to get back on track in several weeks. However it only became worse and comes to a head when you came home to find the electric and water disconnected. When you insist on the truth he finally breaks down and tells you that his hours were cut and he has been unable to find another job. While you are angry with him you are grateful to finally have answers. So the first thing you do is inquire about debt relief. The company tells you that you will be able to get your bills reduced and also your monthly payment and interest rate. They will also help you keep your home and car. So after a long period of anxiety you are finally able to breathe again.