You can absolutely do a chargeback months later. This is fraud, and credit card companies are usually very willing to address that! Typically they'll put the onus on Photobucket to demonstrate that you received the service you paid for, and they won't be able to do that in your case.
I've suffered this several times over my now 25-year career, and the best answer I've found is therapy. Find a good[*] therapist and work with them, preferably every week, until you feel better.
[*] I like this definition of "a good therapist", from a book I read many years ago:
> Here’s what you should look for in a good therapist.
> Some good signs are:
> * Someone you know says this therapist has helped them with a similar problem in concrete ways.
> * The therapist offers a plan that focuses on helping you reach the goals you’ve set, and it’s clear to you how what the therapist does will help you reach your goals.
> * This therapist uses a variety of methods depending on your problem and who you are.
> * You have an ongoing sense that this therapist is more often than not helping you feel better in your life and helping your life work better.
> Some bad signs are:
> * There’s no change in your life or how you feel or what you do after four sessions, or things actually get worse.
> * The therapist seems uninterested in the concrete realities of your current life.
> * The therapist is focused exclusively on ways you’ve been damaged, instead of on your needs or strengths.
> * The therapist seems to have one all-purpose theory or “answer” that explains everything.
I hope this helps! Burnout is real, you're not alone, and I'm glad you're taking some steps towards recovery!
I hate cars but I still drive to the office 1x / week because I have to.