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Depending on the debtor’s external conduct, work and friendship relationship tend to suffer. In most cases, debtors tend to feel that their friends or colleagues judge them because of their financial situations and behaviors, which could affect their social interactions qualities. Generally, debts triggers stress and tensions among people and in some cases, it results in constant fights hence creating unsafe environments (Wolny 58). Debts can have impacts personally or professionally. Professionally, debt can affects a worker’s overall work performance in that an individual can become inattentive or limited focus while performing his duties at the work place hence leading to job losses or financial problems (Wolny 59).
Debtors usually feel socially controlled because they sometimes cannot afford their necessities, which might be an indirect pressure to them. As a result, this might affect their social standing. Alternatively, debts can influence a person’s behavior. In this case, a person’s self-worth might be affected which would then lead to emotional problems (Wolny 62). The inability of an individual to borrow could eventually lead to social problems. Numerous studies reveal that personal debt levels tend to be associated with related adverse health behaviors and poor psychological behaviors. One of the most common behaviors that might be influenced is stress. Stress remains the biggest mechanism through which debts can affect psychological health. Generally, a person’s stress experience can be related to the reduction of immune system functioning and the release of stress-related hormones. In most cases, they influence a person’s cardiovascular function and blood pressure. In some instances, the problematic personal debts and outcomes that are associated with it such bankruptcy can lead to a person’s decline in psychological health. Alternatively, some studies reveal that debts can lead to depression, suicidal cases and
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