How To Deal With Debt Stress Syndrome?


Have you been thinking and worrying about your debt every moment? Do you wake up in a sweat because you don’t know how you will ever pay off your debt?

Debt stress syndrome refers to a condition where concern regarding an outstanding loan leads to mental, emotional, and physical health complications. The effects of debt stress are much worse than you can imagine.

Effects of Debt Stress Syndrome

Whenever you get stressed about debt, your body will release hormones that put you in a state of alarm. Your blood pressure will rise, your heart rate will increase, and your entire body will fall into a heightened state of survival.

This is normal for a person but only for short intervals and on rare occasions.

Being in a state of alarm constantly can make you more prone to diseases, infections, and worse, cardiac arrest.

Due to debt stress syndrome, your body can struggle to heal from minor issues as well. Headaches, insomnia, and viral infections get more frequent. In short, when you are always worried about debt and finances, your body can fall apart.

Other than the physical issues, constantly stressing about debt also has a longing effect on your emotional and psychological well-being. This means your overall quality of life will fall.

1. Legal Notice

A legal notice is normally the first legal step a bank or lender will take against a defaulter. This notice contains details of the debt you owe and the time period within which you need to pay it. This is the most common legal procedure banks tend to follow to recover unpaid debts.

How can you deal with Debt Stress Syndrome

1. Acceptance is the First Step

Being in a state of denial might make you feel better for a while, but in the long run, it could be very destructive. Financial denial makes you stop paying attention to your finances. As a result, you don’t track them. This further only means that the problem is growing in the background without your knowledge. Thus, it is crucial to accept your current situation, however bad it may be, in order to get out of debt as soon as possible.

2. Deal with Debt Head On

Facing the discomfort associated with debt head-on will relieve your stress. Hear us out. Understanding that you’re not to be blamed for your debt can empower you. This puts you in a better position to plan your debt relief journey better. Take responsibility for getting rid of your debt and not the blame for not being able to pay due to genuine hardship.

3. Stay Hopeful

Debt Relief is a journey that can seem long and frustrating. Until your debts are resolved, it can feel like no progress is happening. But progress is behind the scenes in this journey and will give results on the final day. Focus on staying patient and hopeful while you’re on your journey to get debt-free, taking one step at a time.

4. Be Proud Of Your Progress

It is crucial that you acknowledge the little success in your debt relief journey and celebrate the progress you have made. Maybe you saved up more than you thought you would during a particular month. Don’t forget to pat yourself on the back for it. Sharing your progress with loved ones can help boost your morale.

5. Seek Expert Help

Last but not least, seek professional help if you feel things are getting out of control. Consider consulting a debt expert. A debt expert will be able to understand your financial situation and guide you through the debt-relief journey.

A FREED Debt Expert understands your situation and can provide you with debt counselling that will go even beyond your debt relief journey.

Getting trapped in debt is not the end of the world!

India’s 1st Debt-Relief Platform, FREED provides an end-to-end debt-relief solution to individuals struggling with credit card or personal loan debt. Reach out to us and get a free in-depth analysis of your debt today.

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