Each year, millions of Americans struggle under the burden of debt, unable to break free from a vicious cycle of high interest payments, late fees, and penalties that drive the debt higher, even when attempts at regular payments are made. For many, collection calls, harassment by overly assertive creditors, and even legal action greatly reduce the quality of everyday life, adding an extraordinary amount of stress to an already difficult situation. Bankruptcies have soared over the past five years, and while it's not an ideal solution for every person, it's a step that has helped millions regain control of their lives. If you're filled with fear, dread, and anxiety every time the phone rings, it's time to take charge and reach out for the help you need.