Financial struggles are prevalent. It seems to take no time at all to find yourself buried under a mountain of debt. It can easily become difficult to breathe, especially when nearly every phone call you receive seems to be from a bill collector. Many debtors find themselves desperate for a solution – anything to relieve some of the pressure. Filing for bankruptcy gives that relief to many Americans every year. It can provide debtors with a bankruptcy collections automatic stay. This stay forces most creditors to stop calling, making a ringing phone much less intimidating. Filing bankruptcy can also wipe…