Once they receive proof that you have filed bankruptcy (which I know, you said you haven't yet) they HAVE to stop calling and sending bills to you. If they do call after they have received the notification they can be fined, I think it was $100 every time they call afterwards. At least that's some consolation if you do decide to file. I filed after the 3rd time I had gotten myself majorly into debt, mostly with credit cards, and yes, I spent when depressed. The only thing I couldn't include was a student loan. The lawyer said that you pretty much have to prove that you're so disabled you can absolutely never work again to get out of paying off one of those. I have a huge car payment though, and I was afraid once they saw that amount that would spell trouble, but nope! I'm still making my lease payments and plan to buy it soon when the lease is up, then I'll have something of "value" (they say Porsche's hold their value, we'll see!) when it's paid off.

pebs

<font color=purple> The greatness of a nation and its moral progress can be judged by the way its animals are treated--Gandhi

Sometimes I lie awake at night in bed and I ask, "Is it all worth it?" And then a voice says, "Who are you talking to?" And another voice says, "You mean, ' To whom are you talking?'" And I say, "No wonder I lie awake at night."--Charlie Brown </font color=purple>