you ought to keep in mind that A LOT of people are in the same boat as you right now. Try to stay positive, things will improve. And try not to worry about shit you have no control over, just let go. Let the bill collectors leave a fucking message. Other than leaving a bad mark on your credit, they can't do shit anyway. Now's a great time to figure out what you really want to do with your life, as well as do all those little things you never had time for before. Relax, enjoy simply being.
As for me, I've been through this shit quite a bit in the last few years, but now I'm working full time in the construction industry if you can believe that.
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Wow, I'm amazed at how similar I feel to you guys. We'll make it.