Hidden Money Messes

I am successful single woman who has a well paying job. But my secret is that I have not been paying my credit cards for over a year. It started when I moved, and became late on bills because they weren't forwarded in time. But I started to avoid it...and then, I started to get collection calls - and I still get them to this day. I'm so afraid and ashamed to even return their calls, knowing that I will 'get in trouble' from the person on the other end. I don't listen to any messages on my voicemail, and don't answer any numbers that aren't familiar on my phone. I'm so scared....I know I've ruined my credit; ruined my chances of ever buying a house. I dread the day that I will have to apply for a line of credit - car, home - or even for possible landlords to check my credit. Silly thing is, I have had the money to pay for it the whole time....I pay my student loans and car payment regularly, and have never been late before - EVER. All of my friends are responsible adults in their 30s with good credit, and here I am....messing up my future. It would kill me if any of them found out. I get a horrible feeling in my stomach everytime the phone rings, wondering if it's another collector...... Please, Lord, give me the courage and the guidance to deal with this issue and resolve it once and for all.....