Why must we act in good faith when the creditors and banks do not.

They all claim that you will get assistance from them should you have problems.

Not so ,They do not act in good faith. The last thing you must do is tel them you are in financial difficulty they will freeze all your credit they will even take funds out of your account without permission.

Make sure you have accounts in at least 3 of the major banks. Do not take the risk in putting your salary in the bank your home loan and credit cards are with if you are going to default they will grab the moneys out of your account with out permission.

Nobody is going to feed your family , You take the necessary measures to look after your family.

Then negotiate with the hyenas