pr0 ... get some rest, and ignore those who dont want to help ... although you are in legit need of help, asking for help requires a certain amount of grace you are lacking right now - lending creed to those who want to flame you
let those of us who want to help you keep the bumps and shit going ... stress isnt going to make you well - get off the puter for a while. relax. get healthy. if you have credit problems later they can be easily fixed. i know people who deal with that sort of thing.
deeeep breath, start, shutdown.