I got myself into hot water financially years ago due to avoidance as well. Everyone's advice above is great! I suffer a similar kind of phobia with regards to disappointing people with regards to phone calls, messages, texts, emails...If I disappoint someone or get them mad at me for some reason, I become incredibly stressed about any communication that may come from them to where I won't answer calls, listen to messages from them, read their texts or emails, etc. because I fear what they're going to say. Tonight I had to have my husband read some texts from someone along those lines....I had a big falling out with a "friend" back in October and to this day I still can't look at the texts she flung at me because I know there will be ugliness in them. I already feel badly about myself and just can't face having someone add to it.

I hope you can something going to where you can slowly get those financial obligations satisfied, even just a little bit each month, because it will make you feel better to finally address it. I know how hard it can be to face those scary things waiting for you (in the mailbox), but you may be blowing it up to be worse in your mind than it really is. Is there someone who can do it with you? I wish you peace :-)