I would definently call a financial counsellor. See if you can google a government based one. Also, writing letters explaining your situation is another great idea. Google US based Finance Experty Dave Ramsey for copies of what he suggests you write on his website. We use his budgeting tools etc. Companies like to be kept in touch with what is happening, never EVER feel embarassed. It is just life

We have also gone through a brilliant company in the past called Debt Mediators, google their site We are now all caught up and saving which is brilliant