What you're describing sounds very distressing, but it is also a pattern commonly seen in social anxiety or anxiety-related fear of speaking and being evaluated by others.
The symptoms you mentioned:
Shaking hands
Rapid heartbeat
Low or shaky voice
Feeling "choked" while speaking
Headaches
Fear before and after conversations
Excessive overthinking
are all signs that your body's fight-or-flight response is becoming activated during social interactions.
This does not mean there is something wrong with you. Rather, your brain may be interpreting social situations as threatening, even when you are talking to people you already know.
Next Steps
Start noticing what thoughts come up before speaking (e.g., "What if I say something wrong?" or "What will they think of me?").
Gradually practice speaking in low-pressure situations rather than avoiding conversations.
Work on anxiety management techniques such as slow breathing and grounding exercises.
Consider consulting a psychologist, especially since the problem is now affecting your daily functioning and confidence.
Health Tips
Don't force yourself to be perfect in conversations.
Remember that physical symptoms like shaking and a racing heart are signs of anxiety, not danger.
Try speaking slowly instead of trying to finish quickly.
Reduce excessive self-monitoring during conversations.
Keep a journal of situations that trigger anxiety and the thoughts associated with them.
Important:
Since this has become severe enough to affect your daily life, it is worth addressing now rather than waiting for it to worsen. Anxiety tends to become stronger when situations are repeatedly avoided.
The good news is that these symptoms are treatable.