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Stress Is A Killer, And So Is Debt

Feb. 27, 2023

Over the years, there have certainly been enough scientific and medical studies that clearly and unequivocally demonstrate that stress is a killer. Stress can lead to countless illnesses and diseases, including hypertension, diabetes, cancer, heart attacks, lupus, fibromyalgia, multiple sclerosis, various autoimmune diseases, and so many other debilitating disabilities. 

I'm neither a doctor nor a scientist, but I have had the privilege of practicing law for over 47 years, and I've spent most of the my last 25 years focusing on helping honest and hardworking people legally wipe out their bills and get a fresh financial lease on their lives. During the last 25 years I have carefully observed how the impact of debt has created unbelievable amounts of stress on thousands of my clients. Thankfully, the vast majority of these people have not experienced physical death, but there is no doubt in my mind that prior to filing for bankruptcy they were experiencing a different kind of death.

I'm talking about death of their motivation, death of their passion, enthusiasm and zest for life, death of their dreams, and the death of their vision for a compelling future. The Bible says that without a vision, the people perish, and there is no doubt that so many of my clients, when they first meet with me, have no vision of anything positive ever again happening in their lives.  The average client comes in feeling distraught, dejected, despondent, and depressed.

When I see that, I know that my mission is to help my clients achieve a total transformation, not just for their finances, but also for their emotional and psychological states. I've read that the stress of debt is equivalent to the stress of losing a close loved one. Clearly, these people need debt relief, and just as important, they need lots of stress relief. 

I want to turn their fears, tears and sorrow into smiles, confidence, and joy. I let them know that when times are tough, we need to become tougher, and we need to become stronger. I remember seeing a preacher named Robert Schuller years ago on TV, and it seemed like every time I watched him he always told his congregants that "tough times don't last, but tough people do." I do my best to convince my clients that they can and will overcome the financial challenges that they are facing, that its always darkest before the dawn, and that they will soon be seeing lots of light at the end of their tunnel.

So, how can I assure my clients that they can soon see total transformation in their lives? Well, I sure can't predict the future, and I sure can't guarantee success to every client, but I sure have learned from my legal experience that I can show my clients how to get significant debt relief and significant stress relief. And that, in itself, is a very good start towards a much better life.

I ask them how they would feel if in four months they could be totally free of the burden of debt, and still be able to keep their home, their cars, their money, their jewelry, their furniture, their personal possessions, their pension, and a whole lot more. Now if they have a mortgage on their home, they will have to keep paying their mortgage to keep their home, and the same rule applies if they are making payments on their car. Obviously, everyone's situation is different, but my first goal when I meet with a new client is to see if I can figure out a legal way to have all or most of their debts forgiven by the federal government, while they get to keep all of their important assets and possessions.

I let them know that although, at the present moment in time, the bill collectors are holding all of the right cards and therefore the bill collectors have the power of the law on their side, there is in fact a legal way that my clients can shift the balance of power in their favor. There is in fact a way to silence the bill collectors and strip them of their power. It is time that my clients shifted their perspective and realized that they no longer have to think of themselves as helpless victims and losers. They can quickly become strong victorious winners. And the whole process is really not that difficult once you understand how the laws of this country have been formulated to help people who are struggling with the overwhelmingly heavy burden of debt.

I love to help the underdogs win. I often think about how the Philadelphia Eagles were underdogs in virtually every one of their late regular season and playoff games in 2018, but they one every single game and celebrated as Super Bowl champs. And let's not forget the story of David vs. Goliath. Underdogs win more often than most people realize, and I love to see my underdog clients beat those big bad billion dollar banks.

So, in this blog I want to give people the knowledge that will give them the power to overcome and defeat their serious financial burdens and challenges.


In these highly difficult and challenging times, Bankruptcy can be one of the best financial blessings a person can receive.