For whatever it's worth, here is a letter from the American Institute of CPA's on how to deal with the current financial crisis. Readers need to tailor the recommendations with their individual situation as it is just a form letter:
http://pcps.aicpa.org/NR/rdonlyres/D192EAFC-3DCB-484C-8DB4-E2AD9669E595/0/CreditCrisisCPALetter.pdf
