Hi hun.
I dont know your circumstances I only popped on to find something out. I am not suprised to feel so bad with one of the creditors dilly dallying. It must have been hideous to your self to finally get to the day, that day, only to find someone dillying..... all this stress, lowers the immune system and you cant function emotionally as it is by the sound of it.
I wanted to say, dont feel bad and not coping, how can you? Next year, next month, even tomorrow you will look back and see that you were, are right now, just surviving. Try to put things in place that you can find confort in, little things, like having a cup of tea and saying, I cant change this, I am doing my best, I deserve a nervous breakdown but just for now I am going to have a little cry.
I hope the dilly dallies get see the sense thats probably smacking them in the face and end the limbo for you very soon.
Please take care you yourself.