[i-did-it]

Ring your bank and speak to them Erenachi
Tell them what happened and how you are going to wort this out .
I find Its good to go to them before they go to you – the will have dealt with this before and they will come up with a sensible repayment plan .
It will be easier to tell your wife of you when a financial recovery plan in place – you earn good wages – you can sort this .
There is little in life that cannot be sorted by talking Eranachi .