debt collections

i’m 19 weeks, and i had a MC in march. our second baby was not planned and happened when we were using protection. today i got a letter in the mail for debt collection. i’m in bed rest, and my fiancé was laid off two months ago. although he’s been trying hard, he’s been unable to find a job yet. i’m so scared and i feel like we’re drowning. please don’t comment if you have hate. i’m not looking for sympathy, but maybe some real advice on how to avoid ruining my credit and still being able to put food on the table. we barley make ends meet as it.