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Excessive debt can do more than lower your credit score.  Half of all Americans worry about their debt “frequently” or “most of the time”.  This type of worry leads to physical maladies from severe anxiety (8 times higher for people worried about debt) to severe depression (6 times higher) to heart attacks (2 times higher).

With the average cardholder carrying $16,000 in credit card debt, and wages rising at an imperceptible 0.1%, our debt-related worries will probably not diminish anytime soon.

If you are looking to preserve your long-term health and reduce your stress levels, you should consider bankruptcy.  Some people think that bankruptcy can increase your stress and your regret, but the opposite is true.  Instead of staying up nights nursing an ulcer, bankruptcy can eliminate all that debt that you cannot pay.  At the same time, you will be able to keep most or all of your property.

To find out which federal debt assistance program will best fit your needs, email or call the law office of Henley and Henley for your free consultation.  We cannot make this kind of promise, but we can help you sleep better at night.