Hi Tired of life
I used to have trouble sleeping, I still do sometimes. I dont usually switch off easily and find myself wondering, it really takes some effort to talk yourself into not worrying but you do anyway.
My advice to you is you must try to take one day at a time, none of us know whats around the corner that we are going to have to deal with, good things and bads things. However, worrying about mights, what ifs, people finding out etc, are always worse than actually facing it in reality.
Having a couple of debts doesnt change the person you are. Youre unique, special and loved for who you are not what you owe, or what you have. They arent going to say, not going to her/his funeral, she/he had debts..... No, please dont think like that. You need to remember that you faced up to a mistake thousands of people have made. Every problem has a solution and you will find a way with whatever life throws at you.
Try going for a run or a walk before bedtime and get some of this anxiety of out you and then use something like sleepeze for a few nights to get back into a more normal sleeping pattern.
Good luck and I hope you feel better soon