I recently was doing some research about how to deal with this myself.
The best thing I found was a psycho-educational TY video. (I can track down the source, if interested.) He shared a tip I have found helpful. Basically, make a small - tiny, even - step and then celebrate it.
The neuroscience of the idea is that the hippocampus in the middle brain functions as a sort of security, alarm system for the brain. When we get overwhelmed we enter into a fight or flight response. There are additionally modes of freeze or fawn.
What you're describing is a freeze response. A feeling of overwhelm that's like a deer in headlights. The nervous system is overwhelmed and attempting to find safety.
In this situation, if just getting out of bed is a struggle, you could make the goal of just sitting up in bed. When you're able to achieve that, try to celebrate that - to the best of your ability. Feel the win.
This provides the brain with a shot of dopamine. The presence of dopamine signals to the hippocampus that perhaps - just maybe - a car isn't actually heading to us. Freeing up this brain processing power allows the frontal lobe to bring on more cognitive functioning.
This practice of celebrating small wins has been helpful for me.
