I have to call my credit card company today and talk to them. I do not want to do this. I already have anxiety about being on the phone (hearing-impaired, ick), and then money stress and the fact that they want more money from me than I literally have at the moment and uggggh nooooo do not want.

Tell me it's going to be all right?

ETA: Whew. I always think it's going to be way worse than it is. I got someone on the phone, explained my situation (an avalanche of medical bills), and they were very nice about it. We have come up with a plan to save the day and now I can stop chewing my cuticles. Thanks for talking me off the ledge, GT'ers!