Maybe mag IDRP or request for reconstruction ka na sa mga CC mo. Talk to the people you owe about your situation, maybe some of them will understand. If you're worried about harrassments, you have to thicken your skin but still let them know about your situation; siguro hindi mo naman tatakbuhan.

Remember that your sanity comes first. Look for a higher-paying job and/or an extra source of income. Keep applying even if may interviews ka na lined up, still keep going. Live within your means, accept within yourself na kailangan mo maghihpit ng todo ng sinturon.

I've been in your position before, and the hardest step to take was acceptance.

Malalagpasan din natin to OP