You hear many people say that money can’t buy happiness, and there’s truth to that. However, a lack of money can bring unhappiness.

Debt and stress go hand in hand. For a lot of people, the deeper the debt they’re in, the more stressed they are.

We’ve touched on this in a blog post recently, but it’s worth mentioning again – avoiding high stress is one important reason to stay out of debt.


Debt can be a hindrance to the lifestyle you want to live. Your debt takes over and you have to adjust to it. Instead of worrying about how you’re going to spend your night or weekend, you’re worrying about how you’re going to pay the bills. With that said, you most likely aren’t going to be able to pay off all your bills, which means you’re worrying about how much more debt you’re going to fall in.

Debt brings constant worry and leaves you uncertain about if and when your bills are going to be paid.

On top of that, you have creditors calling you all hours of the night hounding you to pay them the money you owe, threatening you and not leaving you any peace. This absolutely adds to that stress.

There’s help though.

Did you know by filing for bankruptcy, you can either discharge your debt or lump it all into an affordable payment plan? Also, all creditor phone calls will cease.

For many people, bankruptcy carries a bad stigma, but if you’re that person described above who’s struggling with paying the bills and deep in debt, this is your opportunity to clean your slate and start fresh.

At Darrell Castle & Associates, we’ve practiced bankruptcy law for over 30 years here in Memphis and handle each client with compassion and confidentiality. We don’t want to see you stressed. We want to see you in a stable financial situation, enjoying your life.

Are you worried about your credit? Well, you should always be thinking about it, and we want to help you with that too.

We have access to a 14-week program called “7 Steps to 720” that will teach you:

  • how to rebuild your credit the right way
  • why most credit scores are wrong
  • which credit cards actually hurt your credit score
  • how to stop lenders that report the wrong information
  • how to re-establish your credit after a bankruptcy, foreclosure or short sale

We offer this program free for our clients.

Let us help you. With the right attitude and lifestyle changes sprinkled with a little patience, you can come out of a bankruptcy stronger financially than you went in. A bankruptcy law firm Memphis, TN trusts, like the team at Darrell Castle & Associates, can help manage the best timing for your case.

If you’re considering bankruptcy or if you have any questions, contact us today, either online or by calling us at (901) 327-2100 and one of our experienced Memphis bankruptcy attorneys will be happy to speak with you, free of charge.