When you run into financial difficulties, life can become very stressful. Even if you are strict about budgeting your money, a sudden, unexpected illness or job loss can wreak havoc with your financial well-being. You may be facing collection calls and letters. A creditor may have obtained a judgement and is now threatening to garnish your wages or bank accounts. There is a way to stop those collection calls and garnishments, however. Bankruptcy can give you a fresh financial start and put you back on the path to financial freedom.