i am not saying this is what is happening to you, but when my stress and anxiety gets bad enough i begin to experience psychosis. I will hear people talking to me that are not really there and have hallucinations. Walls will "breathe" and patterns in carpet become fluid and move about on me.

Do you have a therapist you can go to to discuss what is going on? It would be wise to get in to talk to somebody before things progress much farther. It sounds as if things are beyond stressful for you right now and you need to take some measures to get things under control. what is stopping you from filing for bankruptcy? it sounds like it would take a great weight off your shoulders. perhaps you could talk to a financial planner for suggestions. they have them free here in USA for people in your situation.

good luck to you. hugs.