When you're facing piling debts, bankruptcy might be the answer, but it might not. Bankruptcy is a powerful tool, when used at the right time. You might not be at that stage, but it does not mean you are without options. Did you know that creditors are often willing to negotiate?
The calls from creditors and debt collectors never stop, and they are taking a serious toll on your emotional health. You're not alone - the Federal Trade Commission (FTC) reports that Florida residents filed more complaints against debt collectors than those in any other state.