Let's acknowledge a truth: being in debt is incredibly stressful. No one likes the feeling of not knowing how they're going to pay their bills.
All the calls from creditors only make matters worse. It can seem like their calls are coming all hours of the day and night. What are you even supposed to tell them? If you could afford to pay them you would have, right?
Did you know that filing bankruptcy will put a stop to calls and collection actions? In many cases, declaring bankruptcy is your best option to stop the stress and get a fresh start.