What bills should I be paying?
If you have been laid off or furloughed, keep your house payment current.  If you want to keep your vehicle, keep it current. While you are waiting on unemployment benefits, use your credit cards carefully. Don’t worry about paying the payday loans or unsecured creditors - the courts are closed anyway.  In a worst case scenario, if you have to file bankruptcy in a few months, you can get rid of the unsecured debt but you can’t keep the house and vehicle if they are not current.