Many Americans, like Alexza, are burdened by increasing debt, yet only a tiny fraction, less than 0.2%, choose to file for bankruptcy despite its potential benefits.
Despite her long struggle with credit-card debt, Alexza hesitated to consider bankruptcy due to feelings of failure and the high legal costs involved in the process.
After finally choosing to file for bankruptcy, Alexza experienced immediate relief: within weeks, the persistent collection calls ceased, and she could start anew financially.
The stigma associated with bankruptcy prevents numerous Americans from seeking this relief, even as household debt has significantly increased over the decades.
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