One of the worst things about being in debt is the harassing telephone calls and threatening notices. These can come at the worst times. Creditors call you at work and may try to talk with your employer.
Once the bankruptcy documents are filed, the court will order an automatic stay. This means that all creditors must stop contacting you pending the resolution of your case. This is a federal law (The Fair Debt Collection Practices Act, or FDCPA). If a creditor continues to call you or contact your employer, the court may impose fines, punitive damages and even jail time because of the court order violation.
To obtain relief from creditor harassment, you must actually file for bankruptcy. Stop creditor calls. Telling a creditor you are going to do it is not enough. Creditors know this, and will not stop bothering you until they receive the order from the court. They know that once you file for bankruptcy protection, they will probably be unable to collect all of the debt.
A ringing phone can become a significant source of stress while you're having financial problems. One call after another from creditors only adds to your stress. Their harassing collection tactics does little to resolve your financial problems. They have a right to call you, but they must abide by collection laws.