Is this even a good idea. I really dont think this is a good idean under any circumstance. This happens when we step over the threshold, by going over our means to pay bills. I know it seems to be a short term fix, but in the long run you are only hurting yourself.
Believe me, I know. This is part of the reason we slipped into a deeper hole. Dont make the same mistake I made. Start looking for extra work, and take care of that bill.