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The cel phone is not a need, cable is not a need,etc. I also suggest CCCS ( Consumer Credit Counseling Services) and other proffessional services to assist with families.
When CCCS can not help you and there is no other way to go I have seen couples file Chapter 13. You do actually pay back your bill collector though the courts. They will set this up with a "trustee". The money is taken right out of your paycheck and mailed to the trustee and then sent out to the appropriate persons. This will stay on your credit record but you know you have paid
those bills and it gives you a different sense
of self...
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