It seems like there are 4 problems:

1) your sick leave isn't enough to cover your bills.
2) your debts are unpaid.
3) Your having panic attacks while out
4) Your nervous about going back to work.

So lets try to break it down a bit a see if it more manageable. Sick leave isn't enough to cover your bills, but if you were on disability you would be getting more, so if your adamant about not returning you could do a bit of research about how to apply for disability, what it would pay and how long you can be on it.

Your credit cards and department store cards are unpaid. For now i would not use any more credit. If you contact them and let them know your going through financial difficulty,sometimes they can make arrangements to pay a smaller amount or lower interest rates or sometimes even they will put your payments on hold and give you a couple months grace period.Eventually you will of course have to pay them off and maybe that would be more possible if you were on disability. Alternately if you could return to work for a short time maybe you can pay those debts off and then after your caught up you could consider another leave or applying for disability. That way you would be able to get back in there and decide if it's too much or if it's manageable.

If your having panic attacks while out there are three courses of action. You can make sure your seeing someone about it, making sure your doctor knows that this is important for you and your number one priority at this time. You can talk to your doctor about getting the help of medications to put at ease so you can do the mental work involved with working past panic attacks.You can also apply some self help strategy's, such as planning your outings and thinking them through in their entiarty. For example if your going to be going into a grocery store and you think you may have a panic attack you can think about it before hand, not dwelling on the panic but more on being prepared. "I'm going to go to this store. I am going to stay calm while picking out my items. If i feel stressed out i will try to calm myself down by doing some quiet breathing. If it gets to be too much i can leave the store and calm myself down outside or in the car. After calming myself down i will go back into the store and finish my shopping. If i need to leave, i will do so and re calm myself, but i will make sure that i finish what i intended to do by going back in after i have calmed myself."

Being nervous to return to work is normal. As a matter of fact recently i have had to do this very same thing.It's important to try, because you have to know for certain if working is possible for you at this moment. I would make some plans before your first day back. Like work it out in your head, what am i really afraid of? Ask your doctor to help you plan the day, and develop some strategies to deal with whatever may happen. Make arraignments with your boss. Say i am going to come back but if it gets to be too much for me i may have to leave. That way your giving it an honest effort but your still prepared even if you have to leave. If you need a moment to compose yourself I'm sure your boss will understand. make sure your first shift back is not a long one, try to make arraingments for a shorter shift, so you can back into the swing of things.

Sometimes you feel stressed out because you may not have worked out the details your just surrounded with problems and it's stressful because they don't have any solutions. If you take the time to plan ahead it's much more likely that you will be able to accomplish what you want or need to do. With that being said these things are for you to decide, only you know if your ready to work. If you aren't then sitting down with both your doctor and your family are going to be important in the near future. I think if your honest and just sit down with your family they will understand. they may even be able to help you out.

Sorry about the rant i hope you found some of this helpful, and please post back if/when you decide what your planning to do.

Ryask