If you face a substantial amount of debt, you are not alone. Of course, just because others are in similar situations, you may not feel very comforted by the thought because you know that you hold the responsibility for handling your outstanding balances.
You may also find little comfort in the fact that creditors are calling in attempts to collect on the debt you owe. In fact, their calls may only bring about stress and anxiety for you. What you may want to remember is that you still have rights when it comes to how creditors handle your debt and interact with you.