Thanks @utopia. My GP has a really long waiting list for non-urgent stuff - about two months - but I could make a booking. I can't see anything being better in two months anyway.
Yesterday in a brief bout of energy I called - I forget what it's called exactly but it's a government debt advice line - and the guy I spoke to was really excellent. As soon as I told him what my debt repayments are and what my income was, he said there was no way I could meet them. He was surprised I've done it as long as I have. So that was a relief because I always imagine people saying that I should budget better, or spend more wisely or something like that.
He didn't have any new options though. Either I do bankrupcy and that means I lose my work licence or I may be able to get debt agreement if I get a job but he thought it was unlikely but possible that the creditors would agree to it (even assuming I got work). So right now I feel like giving up the work license would better because all the debt would be gone after 3 years and I don't have the energy to work right now anyway. But I'm not sure how rational that is. I saw a job on seek today that I could apply for but I'm so tired. I'd happily live in a room above a pub or a caravan or something if all of this would go away, but I know it won't. I'd just have less stuff and be equally stressed.
The thing that's keeping me here is the promise of a surgery in November. I need to keep private health insurance for that though so that's #1 priority. I'll become homeless before I drop that.
Glad for this space to type my thoughts.