If you or someone that you know is in a personal financial crisis, our thoughts and our prayers go out to you.  Here are some tips : 

1)  Stay calm; God & your family and friends still love you.  You still have value as a child of God.
2)  Take care of basic necessities first – food, clothing, shelter (including utilities) and transportation.  Prioritize your remaining expenses, so that the important things are taken care of first.
3)  Don’t live in denial and hide from your creditors; communicate with them and negotiate a plan.  If you show that you have a plan, it will likely buy you some additional time
4)  Never give a debt collector direct access to your checking or savings account; they will wipe out your account and cause all kinds of problems for you
5)  Debt collectors are not your friends; do not give them too much information or else they may use it against you later
6)  Keep learning…read, listen to audio programs, learn from websites, etc.
7)  Seek Godly counsel
 • Proverbs 15:22, "Plans fail for lack of counsel, but with many advisers they succeed.“
 • Proverbs 19:20-21, "Listen to advice and accept instruction, and in the end you will be wise. Many are the plans in a man's heart, but it is the LORD's purpose that prevails“
8)  If there’s someone in your church that you trust on financial matters, seek that person out
9)  Pray