Should you just stop paying

I can not tell you to make a payment. When the hard times come, there is just not as much money to go around. This brings a lot a stress into the household. If things are shaky to begin with, then things will get worse. This can make you to make bad decisions. Hopefully you do not pass up opportunites. My advice to you is keep looking for jobs. When you find that job, you can start working with the companies to take care of your debts. Do keep a list of all the places you owe money. Just don't worry about trying to pay it all at once. Just chip away at what you can, and hopefully you can take care of the bills a little at a time. Soon that mountain will be a small ant hill.