Basically I have been with my employer for a year which means no major payout (1 weeks pay) boy do I wish I worked in the public sector as I would have got more ANY WHOOOOO let me not dwell on that. I have until Jan 15th to find a new job as that will be my last payment. I don't even know how to wor...

I am about to be made redundant which means I will have no income until I find a new job and with the current climate who knows how long this might take. Does anyone know whether creditors will be quite lenient with this or what the procedure is?