There is nothing worse than not being able to sleep at night because you are worried about your debt. I knew that I could somehow start making payments to my creditors, but after missing installments and getting threatening calls from debt collectors, I was too scared to approach my creditors. Thankfully, I opted for debt mediation and someone else could speak to them on my behalf. My stress and worry was reduced, and I felt better about paying off my debt without having to deal with creditors by myself