Make an appointment to see an financial counsellor ASAP. They can help you set a budget, negotiate with your creditors to set out a payment payment plan that is within your means, whatever they are at them time. http://www.financialcounsellingaustralia.org.au/ Mods, Sorry if I'm not meant to post a web addy.
I am so sorry that you are having such a stressful time , especially at christmas. Please don't feel embarrassed, many of us are a pay day away from being in dire straits.