I have a French friend who is heavily in debt so that the amount of loans he pays off every month means that taking into his other expenses his outgoings are larger than his income. He has survived like this by taking out loans to cover other loans which is insane but common enough amongst those not financially prudent. I told him not to take out any more loans.
My question is what can he do to relieve this problem? In the UK, for example, you can write to the loan company and say you are in financial difficulties and send them a cheque for a nominal amount which if they bank it is then de facto agreement to the lower payments and it is only if there is CJ against you can the bailiffs turn up.
I also know there are debt service charities in the UK like StepChange that will arrange on your behalf to pay the reduced amounts to all your creditors too.