Hi Fav/Jeans,

I do this very same thing. I currently am recovering form such an avoiding money/responsibility episode. Only partly, due to another looming issue of debt (school) that I can't seem to face/is tied up in so much anger and loss/history.

It does help to have an outsider look at your situation. I have had this through my boyfriend and it helps (he deals with accounting/money matters/banks etc, through his job). I throw tantrums regarding making a phone call because it is so beyond me... but what I have learned (when I can make the effort) is contacting and calling those you owe money makes them less mad at you. They don't want you to default and the contact shows effort on your part (I know easier said than done sometimes).

As for your T reaction, I also understand thinking they could be mad/annoyed/ etc... but most likely they are going to want to know more of the why you got to this crisis (secretly) to begin with.