If you’re not able to pay bills on time
It is very important that you contact lenders to communicate and work out a plan so as not to harm your credit. The CFPB have encouraged financial institutions to work with their customers. Call your mortgage servicer before the payment is behind.
If you have student loans
You may qualify for a reduced payment or delay program. In some cases, interest may be halted.
https://www.consumerfinance.gov/ask-cfpb/what-should-i-do-cant-afford-student-loan-payment-en-639/
Avoid falling behind on your auto
Your lender may have options that will help you. This includes changing date of payment or payment extension.
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