None of my customers care about my personal life, nor should they. I'm a business and have a responsibility to provide a service or product upon payment, no excuses. All businesses should have a contingency plan in case of sickness, personal issues or even death.
I'm sure everyone everyone hopes your life turns around for the better, but it doesn't matter if you have to take out a loan with a loan shark to make these people whole. Don't swing in here and pull the "I'll pay you next year". You need to "sack up" and do whatever is necessary to resolve this issue now, not tomorrow, not next year, but now.