"Thou shalt not follow the multitude to do evil: neither shalt thou yield in judgment, to the opinion of the most part, to stray from the truth." - Exodus 23:2. Take all the information here for what it is: A layman trying understand what has happened to the world and the Church, AND DO YOUR OWN DUE DILIGENCE.
Those who are already truly Catholic but are unable to see a priest are not, by this fact, excluded from God's friendship.
“The Lord is nigh unto them that are of a contrite heart: and he will save the humble of spirit.” - Psalm 33:19
“A Sacrifice to God is an afflicted spirit: a contrite and humbled heart, O God, thou wilt not despise.” - Psalm 50:19
“The Synod teaches moreover, that, although it sometimes happens that this contrition is perfect through charity, and reconciles man with God before this sacrament (of Penance) be actually received, the said reconciliation, nevertheless, is not to be ascribed to that contrition, independently of the desire of the sacrament which is included therein.” – Council of Trent, Session 14, Chapter 4
ACT OF CONTRITION
O my God! I am heartily sorry for having offended Thee, and I detest all my sins, because I dread the loss of heaven and the pains of hell, but most of all because they offend Thee, my God, who art all good and deserving of all my love. I firmly resolve, with the help of Thy grace, to confess my sins, to do penance, and to amend my life.
An Act of the Will
When we make the act of perfect contrition, we should pay very close attention to every word in the form, and we are to make the acts that are required by the form. Never say, I pray the act of contrition. Do say, I make the act of contrition. When persons get married, they do not merely say a formula, but they make an act of the will to join themselves in matrimony. When a person makes vows in religion, he does not merely recite a formula, but he makes an act of the will (expressed in words) to embrace the religious life. In like manner, the act of contrition is an act by which one is sorry for past sins, and that sorrow extends into the future so that it also requires the purpose of amendment never again to commit those sins or any sins.
There are 5 qualities that characterize the perfect Act of Contrition. The perfect Act of Contrition is 1) Supernatural, 2) Interior, 3) Universal, 4) Supreme, and 5) Intense.
First, the act of contrition must be supernatural as to the power with which it is performed. It must be made under the influence of actual grace. Actual grace is the supernatural assistance that enlightens the mind to know the will of God and strengthens the will to do the will of God. Before starting the act of contrition, it is good to ask God for this special grace, since without it, the Act of Contrition is useless.
Secondly, the act must be supernatural as to “motive.” There are two kinds of motives. The inferior motive (imperfect contrition) has to do with the dread of the loss of heaven and the pains of hell. The superior motive (perfect contrition) has to do with the fact that we have offended God who is all good. Together with the sacraments of Baptism and Penance, the inferior motive (fearing the loss of heaven and the pains of hell) is sufficient for forgiveness of sins. However, without the sacrament of Penance, only the superior motive (being sorry for having offended God who is all good) will suffice for the forgiveness of sins.
Ask yourself why you are sorry for your sins. Are you sorry because your sins have made you look bad before others, made you sick or caused you some other temporal distress? Those are natural motives, and they have no relation to forgiveness. While the natural motives are good in themselves, since the help to prevent relapses, they will never work for forgiveness, unless they are joined to the perfect contrition that comes from the grace and love of God.
The perfect Act of Contrition is an interior act of the mind and will. When a priest says his Divine Office correctly but with distractions (hopefully not intended) he fulfills his obligation that the law imposes on him. If, while you confer the sacrament of baptism, you say the words carefully with the intention to baptize as the Church baptizes, you confer the sacrament even though you had distractions during the rite. The act of contrition does not work as the above cases. It is something even independent of spoken words. The mind and heart must determine everything that is said in the above form of contrition. The mere recitation of the form, as one says his prayers, is not sufficient.
The act of contrition must include all of your mortal sins. One may never hold back confessing even one mortal sin. If a person holds on to even one mortal sin, he does not love God and his contrition is imperfect, if he even has contrition at all. One either leaves all of his sins behind, or he keeps all of them for God's just judgment at the moment of death.
You must determine that we would rather die than commit a mortal sin. We must hate mortal sin (venial sin too, if possible) even more than death itself. Just think how careful we are about our lives. We avoid death at great sacrifices. A man will throw his possessions over-board to save his life. He will avoid the company of those who have a contagious sickness in order to save his life. In like manner, we must hate sin as the greatest evil on earth. The supreme purpose of our lives, then, is to please God and encourage others to please him.
In the above form of contrition, we express this determination with the word “detest.” One might say that he does not like to cold soup. However, he says that he “detests” rotten food. In like manner, we do not say that we just do not like sin, but we detest it as we detest eating rotten food.
Purpose of Amendment
There is a final element that is not mentioned in the qualities of the act of contrition, and that is the purpose of amendment. We make a division in regard to contrition and the purpose of amendment. There is no real distinction between the two except the element of past and future. If one is sorry for his sins, he determines automatically not to sin again. Any time that a person living in adultery is really sorry for his sins, he automatically leaves his sinful way of life. A person who is in bad company must be sorry, not only for his sinful lifestyle, but he must be determined to give up his evil companions.
Intention to Confess
Once one knows the divine law of confession, he must also determine to confess all the mortal sins he has committed after baptism. To say that one is sorry without that intention to confess the sins, when one has a chance to do so, is a false act of contrition. One must determine to obey all God's commandments, and one of those commandments is that one must confess all mortal sins committed after baptism to a duly authorized priest. If there is no priest to be had, then God accepts the will for the deed. He will not accept the will for the deed if there is a duly authorized priest available. Remember the act of perfect contrition always takes away all sins immediately.
Fulfill the Obligations
For the act of contrition to be complete, one must fulfill all the obligations that follow from ones sins. A thief must return that which he has stolen. Likewise, a person who has taken away the good name of another must do what he can to give that good name back again.
The Merciful Hands of God
When one has sincerely and earnestly done all that he can in regard to the Act of Contrition, he still does not have an infallible assurance that he has sanctifying grace. However, he can and should have moral certitude that he is in the state of sanctifying grace. He should rest his case in the merciful hands of God.