While I was at work the other day, an electrician told me a story:
A man (who we'll call Sam) and his wife (who we'll call Sherry) were in bed. The man is having trouble with sleeping. So, at 3 am, he tells his wife that he's having all of these worries about being able to repay his neighbor (Who we'll call Bill) who leant him some money. He can't sleep, and he's preventing his wife from sleeping, so his wife opens up the window, and yells across the way "Hey Bill, Sam is worried that he's not going to be able to repay you that money you leant him."
Sherry says "there, let Bill worry about it and come back to bed so that we can get some more sleep."
That story works on several different levels that I can think of.
It sort of points out the foolishness of loosing sleep over things which you cannot control.
And informing your creditors that you may not be able to repay debts on the timetable established allows your creditor to worry about getting paid.