Hi Onyx, there might be an actual name for a linked phobia, but I'd say that your stress/anxieties were understandable without a name put to them
Just for now know you've got help if.........(found you this link):
Credit counseling Texas
Now might be really scary but it may well help if you find out exactly what the score/your financial situation is.............it might be better than you think in which case relief.......but if it isn't at least you're going to know and be better prepared, and be able to answer some of those letters which may need answering.
But if it comes to it........people were to want more money than you can afford.......most places are going to know that it's going to be in their best interests to make arrangements with you to get something regularly rather than taking it further, it taking longer and them potentially getting very little or nothing. So you are going to be in a stronger situation than you maybe think there anyway.
So a little organization, a little support..........and keep on rolling out those job applications or CV's, hey?? Just any "stop gap" jobs while you're applying for better paid ones.
And I know the anxieties aren't just going to go away..........but maybe spot when they're becoming a problem more and get in there with some breathing exercises, more factual/helpful mantras, relaxation, grounding techniques...........???

Alison