Let me say that your worrrys are not irreational. I worry every day about the same fate.
Honestly there is not much we can do about it so I figure if my car and billd go into collection if I get laid off the I am just like everyone else now.
So I have to live a spartan life. Oh well, I wasn't happy before, so I manage to make the house paymment and the rest of the bill collectors can kiss my ***.
There are services that will help with phone bills and energy bills but they all have specific eligibility criteria but you might meet them. You can find out more about what you might be eligible for at your local independent living center. There's one in every county of every state. Here's a list:
http://www.ilru.org/html/publications/directory/index.html