I'm in that situation now. I installed an app on my phone called Blacklist+ to keep my phone from ringing nonstop. I've been bankrupt twice before, and I'm in pretty deep again. I know all the ins and outs of being sued and all that from the last time it happened, but it's hard to not let it pile on the anxiety I'm already feeling from things.

If you don't think you'll be able to catch up your bills, look up what your exempt assets are in your state and make sure you are judgement proof before the sheriff starts decorating your front door with invitations to the court house.