How Debt Affects Your Mental Health (and What You Can Do)

Struggling with debt can lead to more than financial problems — it can affect your emotional well-being, too. Learn how debt impacts mental health and what steps you can take today to regain peace of mind and control over your future.

Living with debt isn't just a financial issue. It’s an emotional one too. When bills pile up and calls from collectors keep coming, the stress can take a serious toll on your well-being.

Does any of this sound familiar?

  • You feel anxious every time you check your bank account
  • You avoid opening mail because you're afraid of another bill
  • Your sleep or relationships are affected by constant money worries

These are all signs that your debt is impacting your mental health. And you're not alone. Many people face this every day.

How does debt affect your mental health?

  • Increased anxiety and depression
  • Low self-esteem or feelings of failure
  • Constant stress that can lead to burnout

Ignoring the problem won’t make it go away. But taking action can help restore your peace of mind and confidence.

So what can you do today?

  • Talk to a debt expert who can help you build a plan
  • Understand your options. You might qualify for a hardship program
  • Take the first step toward control instead of feeling stuck

You deserve to feel calm and confident about your future. Let us help you get there.

Frequently Asked Questions

How does the debt relief program work?
We negotiate with your creditors to reduce what you owe and consolidate your payments into one lower monthly amount.
Will this hurt my credit score?
While your credit may dip at first, many clients see improvements over time as they reduce debt and avoid missed payments.
How long does the process take?
Most clients complete the program in 24 to 48 months, depending on their debt amount and monthly contributions.
What kinds of debt are eligible?
We help with most unsecured debts including credit cards, medical bills, personal loans, and collections.
Are there any upfront fees?
No. We only charge fees after successfully settling your debt and you've made at least one payment towards the settlement.
Can I negotiate a debt settlement on my own?
Yes, it's possible to negotiate directly with creditors, but having professional assistance can often lead to better outcomes and less stress.
What happens if a creditor refuses to negotiate?
If a creditor is unwilling to negotiate, we explore alternative strategies, including continued negotiations or considering other debt relief options.
Will I be protected from creditor calls?
While we can't guarantee all calls will stop immediately, enrolling in our program often reduces the frequency of collection calls over time.
Is forgiven debt taxable?
In some cases, forgiven debt may be considered taxable income. We recommend consulting with a tax professional for guidance specific to your situation.
How do I know if I'm a good candidate for debt relief?
If you're struggling with unsecured debts and finding it hard to make minimum payments, our program may be a suitable solution for you.