Skye, My sis was in a similar situation, but she stuck to it and eventually got the whole darn lot paid off! So take heart, you will get past this! xxx

Agree with all the suggestions re ringing your service providers (phone, electricity, in fact anything you have to pay on a regular basis) and ask about their hardship provisions. You might find by ringing around that there are all sorts of things you can do to help.

Also, definitely find out about a financial counsellor. I know Centacare have them too. They might be able to help you with consolidating all your debts into a single loan or something like that. Good luck.