have worked on the other side of the phone with the same collections position and I know the fair debt and credit laws, when you have a pymt arrangement and call in to make that arrangement, only to find the arrangement broken (Not by us, by the company).
Do you have an attorney friend who you can use to write some letters or act as an agent in negotiating for you?
It is disheartening, as well as a mess. All this has left us short on somethings, worrying, scrambling, stressing.
Everything together can be overwhelming and in some respects be paralyzing - that in itself can create more problems. Take this with a grain of salt, but the following can be very effective in many ways:
List out each problem, therefore isolating them from the overwhelming "group"....
With each item, figure out your options and what you can do to take action to resolve each issue...
Work each issue, but try resolving the easiest first...if not resolving it, moving it forward...that way it becomes "positive" and it will motivate you and "open" you up to do more....
Think positive, knowing that all things can and will be resolved....expect doors to open...
After having said all of the above, I know it's easier to write than to do and I also believe you already know what I just wrote. But sometimes you need to hear or see it again. Eliminate the overwhelmingness by breaking the tasks down. Like the old say: "How does one person ever eat and Elephant?" - one small piece at a time....eventually the big 'ol Elephant will be gone.
my 2 cents (and like I said, take it with a grain of salt)...
Good to see you again..... {{{{{hugs}}}}}