they've been told sort of ways to alert creditors to try to reason with them. i wonder in your case as a contract worker, has your employer told you anything about how to get through this time period? >> well, i did call my creditor as far as my car is concerned. they gave me a little extension. but when i pay one, the other one has already done came in so i have to pay another one. so, like i say, everything, even though they give me a little extension, that's not going to help me because it's doubling up on me. so i'm just going -- i mean, i'm going deeper in the hole by extending these bills because it's constantly doubling up because i'm not working. >> because unlike federal workers, you won't get that back pay. >> yeah. i don't get the back pay.