Librarian Files  Bills—How to Deal with Bills You Cannot Pay 
Call anyone you cannot pay and explain your financial solution
(job loss, illness) and have documentation to support your case.
Then propose a resolution; most creditors will work with you.
 What bills you should pay first:  First, pay essential living
expenses such as the mortgage or rent, food, and electricity,
heat and water bills.   Then, cover work-related costs (child
care) and any secured debts (car payments), and legal
obligations (child support, taxes).   After making these
payments, tackle the credit card bills with the remaining funds.
How long can you put off paying bills:  Mortgage: If you fail to
pay, the bank can begin foreclosure in as little as three months
Car loan: A lender can repossess your vehicle if you're a day
late, but most will wait about 60 days  Credit cards: After
about six months of missed payments, credit card companies start
to send your account to collections.  Tax debt: Technically,
there's no "grace period,"