Overwhelmed by your debts? Dealing with credit agencies calling all the time?
Overwhelmed with Fear (example in article)
There’s no rule that says you have to be a superhero in dealing with the stress of bills, and being deep in debt. I can imagine you have even been losing sleep over it and being over tired is just adding to the problem. One of the first things I'd recommend is to get more sleep. If you don't get to bed until say 3am and are up by 7 or 8am to get back to working on the debt problem, you're probably only getting four or five hours of sleep a night. Most people need much more than that to function effectively. Sleep deprivation will increase irritability and mood disturbance and interfere with one's ability to think clearly. (Poor eating habits during stressful periods can also contribute to physical and emotional exhaustion.) Focus on taking care of yourself and it will help for you to think clearly, logically and critically to iron out your debt problems.
Don't Panic! There's Hope
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