I haven't been able to afford therapy for a while now. When I could afford it he taught me enough behavioral therapy to eventually overcome my previous entanglements, but this is something new for me.
Try your primary care doctor. I agree with above posters that some variant on CBT seems very applicable, but the kind of anxiety you're describing sounds like medication might also help. It can be easier to change your thoughts when you don't have a physical sense of danger/panic, and meds can help with that.
The cognitive distortion is called "catastrophizing", I think.
I'm afraid of unexpected, strongly negative events occurring to me without warning. Nothing specific, just a generalized fear. That fear is crippling me. Worse, there's a part of me that feels that fear is keeping me safe. "If I let go of that fear," it goes, "I would start doing things and then I wouldn't be safe any more."
I haven't filled out a job application in over a week, because doing so would force me out into the world if i got an interview, and into the world consistently if I got the job.