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Tips for Dealing With Bankruptcy Stress

According to a recent survey, six out of 10 Americans say that money is a “significant form of stress.” If you are one of the many Americans concerned about how you will pay your bills, you are not alone. Many Americans worry about money every day. When individuals have to file for bankruptcy, the stress related to money can increase. Filing for bankruptcy can bring individuals and families the financial relief they need to move forward. However, going through the bankruptcy process can cause additional stress. Here are some tips to help you and your family deal with bankruptcy stress more effectively.

Remind Yourself That There is No Shame in Filing for Bankruptcy

Many people still view bankruptcy as something shameful or something that only people who have zero control of their finances need to do. On the contrary, many people who have filed for bankruptcy have gone on to be successful. Do not think of filing for bankruptcy as a failure. Think of it as an opportunity to get the help you need to make a fresh start. Viewing bankruptcy as a fresh start can help you recognize your problems and take action to create a solution. Taking charge of your financial issues is something to be proud of, and it is not shameful.

Try to Think Positively and Improve What You Can Control About Your Life

One of the first things you should do is to acknowledge that filing for bankruptcy will be a stressful event in your life, no matter what. Realize that sometimes we need to go through stressful times to come out on the other end even stronger and more able to start a new financial chapter. You may feel guilty at first that you are allowing stress to interfere with your day-to-day life. It is important to remember that the feelings you are feeling, even if you are feeling angry, sad, or disappointed, are a normal reaction to your predicament.

Try to take the information before you during the bankruptcy process one step at a time. Nobody expects you to become an expert in bankruptcy overnight. Instead of thinking negative thoughts about your future prospects, try to think positively. Focusing on bankruptcy as a solution instead of a problem will help you deal with stress better. Instead of saying, “I can’t get through this,” try thinking, “I feel like I can’t get through this, but I am going to focus on one challenge I know I can address.” If you have a spouse or partner, try to work together to stay positive and brainstorm creative solutions regarding your finances and the bankruptcy process.

Do Not Argue About Money With Your Spouse

Financial stress takes a toll on relationships. Money problems are one of the most common reasons for divorce. It can be easy to let the stress of bankruptcy out through arguing with your spouse. Tensions are high and the situation can seem inflamed. If one spouse spends money and the other spouse does not approve, arguments can break out. Arguments can also happen over issues not related to bankruptcy because the stress is so high. 

Try your best to avoid saying things to your spouse or partner that you cannot take back. If you do feel an argument coming on, you may want to take a short break and re-group to avoid an escalation. If you have children, your children will benefit from you and your spouse acting as a team with a positive attitude. At the end of the day, the amount of money in your bank account will change over time, but what you said during an argument could be remembered forever. 

Try to Engage in Low-Coast, Fun Activities

Many people think that their lives will be miserable when they file for bankruptcy, but this is not the case. You do not have to be miserable while going through bankruptcy. Many people feel a sense of relief when they submit the bankruptcy petition and the court stops all creditors from contacting them. There are many different ways to have fun and relieve stress that are free or low-cost. 

For example, exercising at least 30 minutes a day can help you maintain your emotional health during stressful times. Exercise has been proven to enhance a person’s overall mood while reducing stress. It also gives you a mental break. Exercising can also help you get better sleep at night, which will help reduce your overall stress. Throughout California, there are low-cost activities you and your family can do, such as going to the park, the beach, or one of the many beautiful parks. Try to think of this as an opportunity to find new ways to stay healthy and active with your family and friends.

Talk to a Trusted Friend or Therapist

Many people are embarrassed when they need to file for bankruptcy, even though filing is normal and many people do it. They may avoid talking to family and friends, which can make things even more stressful. Talking to people who are closest to you is one of the best ways to keep your stress down. Discussing your feelings with a friend can help you process what is happening and help you get through the stress surrounding your bankruptcy. 

Talking to a therapist can also help, especially if you are not comfortable talking to a family member or friend. Therapists are professionals who can help you deal with financial stress and all of the related issues you are facing. Therapists act as sounding boards to help us understand how we are feeling. They can also give you practical tools to reduce your stress and cope with your emotions. Anything you say to a therapist is confidential, so you can feel free to unburden yourself and reduce your stress.

See What Our Clients Have To Say

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Roger C.

I reached out to BLC to help assist with a chapter 7 business bankruptcy and they provided excellent guidance, advice, and support through the entire process. In my case an adversarial action was filed by one of the creditors and attorney Ahren Tiller and his staff provided sound ...arguments which prevailed. Couldn’t have found a more experienced and supportive team to represent me in a tricky situation. I would highly recommend them to anyone making the difficult but sometime necessary decision to find financial relief. Read more
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Justin R.

Like many others before and during the pandemic, life happenings caused me to be in a financial situation to warrant bankruptcy. The BLC was super professional all the way through the entire process. Right after I paid for my Bankruptcy, I got sick and had to have surgery and recovery. Then we ...were in full Pandemic mode. They were gracious to delay my filing until I was recovered and ready to file. I could not ask for more. The process was over all quick and painless for a simple Bankruptcy like mine. I feel a weight has been lifted and I can rebuild. Thank you for all your arduous work and patience, Gabriel, Ahren, and their teams are knowledgeable and efficient. Read more
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Katey Huntley

Responsive, friendly, kind, extremely easy to work with! So knowledgeable and made this entire process painless. Very grateful!

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Lynn Molina

Gabriel Hanna, Esq and the staff at BLC helped me in a very difficult time. I appreciate all the help and care they gave my case.

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Linda Cramer

I can’t say enough of how much this bankruptcy law firm helped me with my financial situation. They were all so helpful, efficient and made the difficult time and process as quick and easy as possible. I would recommend them to anyone I know and am glad to give my public recommendation as well. T...hey truly deserve a five star plus rating. Read more
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Andrea N.

I am very happy with my experience with BLC. Bankruptcy is not something anyone wants to go through, however everyone at BLC made my experience pleasant and easy. The process was explained thoroughly and I had an easy time reaching out and connecting with my attorney. Anika Renaud-Kim was my attorney ...and she was nothing short of amazing! She was very patient and generous with her time. Ms. Renaud-Kim definitely made me feel at ease and comfortable through the entire process. Read more
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Lidia Paramore

they did a great job for me, helped me anytime I needed something, my Lawyer Gabriel Hanna is the best, gave lots of confidence all the time..thanks BLC I will.always recommend you, I’m very grateful for your service!!!

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Rachael C.

When searching for information I had called a few different firms and received consults. BLC was the only one who didn’t shy away and provided answers and information during the consult. Once I agreed to move forward, they were supportive, informative, and eased my anxiety through the whole process.... I can’t recommend them enough. Read more
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Emily Martinez

AmazingI had many questions and uncertainties and the carefully explained it all and made it easy to understand. They facilitated a fast and easy process making this scary difficult thing simple

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Legal Disclaimer: The Bankruptcy Law Center is a California Licensed law firm with attorneys licensed in the state of CA, NY. Attorney Ahren Tiller is responsible for this advertisement. Bankruptcy Law Center’s principal office is located at 1230 Columbia st. Suite 850 San Diego, CA 92101. Prior results listed on this site do not depict or in any way infer a prediction or outcome.We are a debt relief agency proudly providing options to people with financial problems. View our Privacy Policy

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