Hi hunni, i wanna send u some hugs and let u know it will all work out ok, i know, im going through something very similar and although it sometimes feels like the world is against u, there is a shinning light at the end of the tunnel.

Basically my hubby left work to study for 6 mths, when the study was ova we thought hed get a job straight away but he didnt, he was then unemployed for 6 mths, only being on centerlink and having major bills already, we then have to move out of our house as it sold, we were paying cheap rent as it was family owned, but then we were hit with reality rent which was an extra $150 a week, there went our bill money, we had debt collecters calling, and we were becomming depressed etc

We had to step out of our funk and this is what we did...
Cancelled foxtel, home phone and internet, we were hit with default bills, but we couldnt pay either way.
we saw a free life line councilor and she gave us some advice, first and formost, u pay rent/mortgage, then u pay food, then car/petrol and electricity! She said in no way were we to pay the debt collecters, centerlink money isnt enough to cover these payments, she said they may send u bulling letters and threten to take u to court, but they wont, they never do!