I can understand feeling bad about not being able to live up to your finacial commitments, but there is no shame because you have fallen on hard times regardless of what some creditors will have you believe. You are still making the attempt and working to try and fufill your obligations in an age where many people are taking the easy way out by declaring bankrupcy, or just skipping. It's gonna suck regardless of what you do until buisness picks up, just try no to let the presure get to you. and if all else fails you can always turn to us for moral support.