Most people focus on the financial costs of dealing with their debt, such as attorney fees, rather than the emotional costs of ignoring or sidelining their financial problems. At the Miami law firm of Aramis Hernandez, we help our clients understand the importance of relieving their debts and moving forward with their lives – not just for financial reasons, but also for their health and happiness.

Overwhelming debt and creditor harassment can cause a great deal of stress, lack of sleep, and even depression. Can you put a monetary value on your happiness?

Debtors also often undervalue their own time. Time spent on the phone dealing with creditors and discussing financial problems with your spouse is lost time. You can stop wasting time and take action now. For most people, inaction costs much more in the long run. If you are wondering whether you can afford bankruptcy, the answer is yes.