Being in a financial turmoil can affect you emotionally as well. I have personally been in such a dire situation and I took a long time to pick myself back up again. It wasn't an easy phase to have to go through and initially I thought there was no way out. I had friends and family for moral support and that kept me going strong. I had assistance with the finances from a local institution and they also had a financial counselor to help lay out a 5-year plan to put things into perspective.