Okay. I have right-royally screwed up. Don't need anyone to tell me that. I'm doing it to myself enough.

I have an *enormous* amount owing to origin for my electricity, and another amount owing to them for gas (but not as much) and they aren't screaming at me for that. Yet. I have had lots of payment agreements with them, but keep breaking them, I've received the utility grant, and everything else they could possibly do to help get me to pay the bills. For one reason or another (usually me not being able to talk to the Man about money to pay the essential bills), it hardly ever gets paid. I haven't received centrelink payments since the start of January as we did not do our tax returns for years. The tax is done, and I'm just waiting for the payments to be reinstated, its taken over a week so far. I was getting my gas and elec paid out of my benefits, but when the payments stopped, I had no money to pay my bills. I was managing to pay my gas usage, but only half of the elec. Last week, origin have sent me a "disconnection iminent" notice. I have an appointment with a financial counsellor next week (on the 28th), but by then it will be too late. I don't have anyone I can borrow money from, and at the moment its looking like I will have to file for bankruptcy. Does anyone know if they will just disconnect me, or send my overdue amount to a debt collector, or what?

Can someone please help me? What can I do?