account in excess

My account is currently in excess with an amount of R4185.43, i cannot be able to pay that amount all at once because of my monthly expenses <br> <br> Who has that kind of money available ? that's about 40% of my salary.. how will i be able to survive with my family this December <br> <br> You have always said \ how can we help you"this is the time i need that help <br> <br> <br> <br> """