Bankruptcy. Many of the people I meet with have a hard time even uttering the word bankruptcy. No one wants to file for bankruptcy. However, the stress associated with debt can be unbearable. Never-ending collection calls, threats of lawsuits, garnishments, foreclosures, repossessions. And those are just the financial aspects of debt. Overwhelming debt places stress on even the best family relationships and I have even seen it lead to divorce and health problems. The good news is there is hope. There is a way out.