You need to understand your debts in order to deal with them properly. You need to prioritise your debts, figure out what you owe and to whom and work out how much you can afford to pay towards these debts. This means you'll need a good understanding of your financial situation and setting yourself a household budget.
Stay in regular contact with your lender and try to negotiate a solution. Every option is worth exploring if it means keeping your home, so make sure you go over all your options either with the lender or with an independent adviser.
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