Strength and peace during financial hardship and debt

I need prayer. Just got a letter from discover about an account that if they did not get payment by April 30 my account would be referred to an attorney and possible lawsuit to collect the full balance. I have been stressed out all weekend about this. Told them all I could do is $70 a month. I have another account with a debt collector that I owe $490 left. I lm doing $30 with them. I pray and ask god for forgiveness for what I did. All of this has stressed me out. I regret what I did.