Do unpaid bills cause you to lose sleep? Are you being hounded and harassed by creditors? If the answer is yes to these questions, don’t fret too much because you are not alone. Many people nowadays are having trouble paying their debts.A person who is unable to pay his debts as they fall due for a number of reasons may be declared bankrupt by himself or by his creditors. You are in financial trouble if:1. You are living beyond your means or spending more than what you are earning.2. If y