I got sick and now I am in financial trouble?

I had a breakdown this year, after huge amounts of stress. I wont go into detail but it was serious. For 8 months I was useless. Due to this I fell back ONE month on payments, which of course made the due premiums too high. So I phoned the companies and arranged terms. However, now I have a bad credit rating. It just seems unfair as the more I pay the more interest I accrue and I am getting no where.

This is causing me more stress, which I don’t need.

I am in S.Africa, so our laws may be different. Plus my policies did not pay out. What I am asking is, how do you cope with people harassing you for money, emotionally. I am not coping, I feel like I will be set back many paces, if I do not come to terms with this all. (I am back at work but only earn commission so never know my income).

I would really appreciate some feedback. Much appreciated.