If Debt causing you stress.....worries about how to make the next payment, missed payments, constant phone calls from creditors.....
Can I recommend that you look for some advice from A Community Debt Advice service. These are charities and there will be one near you, if you look online for details. They don't charge for advice but will help you get your debts under control so you can live your life.
Basically they draw up a FInancial Plan which a detailed list of your incomings and outgoings, which is sent to creditors. This shows that you cannot afford the payments. They work out what you can afford and on your behalf make offers to each of your creditors. It may be a little as £1 a month each if that is all you can afford. Creditors are duty bound to work with Community Debt Advice services so they will accept the offers, subject to you sticking to them and regular reviews of your financial position.
I'm telling you this because I have been a volunteer debt advisor. I have seen lots of clients who have arrived desperate and with the weight of the world on their shoulders...scared to answer the phone and terrified of what is going to happen. We have been able to help and Althought he debt has still been there it has been made manageable and they have been able to live their lives. If you are in debt it could work for you too, so look it up and see what's in your area.
Best of luck.