Haven't seen you in awhile, glad you posted. I'm sorry you've had such a rough time. All I could think of was what serafena said, about calling the company and trying to work something out that way. It'll go a long way if you communicate with them, to see if they can help you. If they don't hear from you, the mess will just get bigger.
Meantime, try to stick to using cash for things, and only the things you need. I know that's hard, but you don't want to dig the hole deeper. Keep at yourself with your moods...If it's time to talk to the doc, then maybe that will help you deal.
28 years old
Bipolar II, Panic Disorder, OCD
Seroquel and Klonopin as needed