Payment relieve

With the lockdown our employer said that they can not pay us. My problem is i try to send emails to let my creditors know about my situation. I ask discover if they can give me a payment relieve or put an hold on my policy. It is been told to me they can not. I know if i do not pay i will not be convert. But what else can i do to avoid finance charges if there debit order does go thrue and there is no money.