This is a really good start don't you think?
A year ago you were struggling to leave the house, now you have made an appointment with a counsellor and gone and seen her! That's a huge step in the right direction.
As for the Doctor, again, we can get so inside our heads that we think the Dr's office (or whomever) has been thinking about our unpaid bill (or whatever). The truth is it's long been written off and no one cares!
Just as the counsellor said.
Absolute worse case scenario, when you call to make the appt. they will say oh Mr. Crockett I see you owe $35.00 here. Then you just say I'll pay that when I get there, sorry. Yes, it's that easy.
If you have to make an appt. for your Dr. (as in they don't accept walk-ins) just do it and see how you feel on the day (ensuring they don't charge for cancellations). If you can't go, give them a call and reschedule.
Anyway, this is great progress and I hope you are seeing that.