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Due to a health condition, I had anxiety so bad I'd vomit on my way for a 'night out', so I understand how some of this feels. The crushing weight of debts, but they're just debts, they're not going to come and hinder you. You might have to pay them but perhaps contacting who you need to and negotiating to make payments will make it less scary? Explain your situation, and generally people are willing to listen.
May I recommend taking a close look at your diet, it could very well be something you are intolerant to, and depression is how an organ like your brain is responding to it.
Perhaps you feel this way after eating gluten, dairy or heck even veggies, for example.
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