I would add this: do not let anyone in your home, unless you know who it is. If it ever happened, call the police. They are the only one who can enter and you can complain of harassment.

I am more or less in a similar situation. I suffer from anxiety and panic attacks as well and from depression, and I had been implanted with a pacemaker last september. I have debts and a big part of those are bank charges both on personnel(LLyodTSB) and BARCLAYS business account. due to those problems, I have open other accounts. I have allowed Disability living allowance from june of last year when I went on income support due to my health problems. Recently I launched my activity as a freelance photojournalist, so now I am on tax credits. As the amount of my debts is about 6000£ and being on income support I was advised to go to Drumpchapel Law and Money Advice center in Glasgow, there are many of those in Glasgow. I was told there that I had nothing to fear. At first I used to have a debt collector from Provident (being new in the country I had no credit history) so although I started at the begining of last year with a good business plan, no bank would lend me money or authorised overdraft to help me start work (I even got a grant for having a very good business plan) so I had no other choice than the loan shark. The Law and Money Advice Center took my file, and their sollicitor wrote to all my "lenders". If you have such panics dealing with those issue I would advise you to go visit a CPN in one of the NHS center, and visit your doctor for advice and maybe medication as well as doing a therapy. Anxiety and depression don't help to deal with money issues. I would advise you to register on this site:Living Life to the Full which is supported by the NHS as well as other people. It had helped me a lot, as well as getting the right medication. If possible don't go in bankrupt as this may have a huge impact on your life.The money advice people would help freeze your debts, and the process would help you breathe for several month. You will still receve letters, put them in a file, don't even read them if that makes you anxious and bring them to your adviser. Then after several month you will be able to find how you may realistticaly pay back each month, if one month you cannot pay the full amount try to make a phone call and if possible pay a small amount: this will show you are doing your best. if you wish support, send me a private message or post here.