What does this mean?

i have always been afraid of scary stuff. i feel like someone is behind me only when im alone. when im on my phone and i turn it up im afraid that they will hear it (by they i mean like ghosts or something). advice?? im getting really scared. i have panic attacks sometimes and i just have a strange stare and i scream... WE CANT GO TO THERAPY SO DONT SAY THAT. we cant bc we dont have enough money and my mom doesnt think that this happens...

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