Stressing

I got a default letter today from the asshole bank, re my credit card account with them of now over $13,000 (about $1,000 more than originally was in Oct or so last year because they continued to charge me interest and account keeping fees, which is unusual given the legislation, and because the Dept of Human Services have taken now about 4 months instead of 10 days processing my claim). It's obviously a letter spit out from the bank's systems that isn't the slightest bit in touch with the reality that the bank knows overall. It even tells me for example that if I can't make payments because of "illness" changes can be made to the contract. WTF? Hello? I've sent off a PDF of the 3 page blabbering letter to the $guru, telling him how much I'm stressing about getting letters like this, and WTF is happening with the Dept of Human Services in regards the Super money that was imminently to be released nearly a month ago? FUCK. I can't deal with this shit any more. I told the $guru I'm basically ready to declare bankruptcy as I've just had enough and can't play this jumping through gov hoops any-more. I honestly can't.