Why are you worrying about filing bankruptcy? Your creditors cannot take your check as the money is probably exempt. Creditors can call you, but, you do not have to answer the phone or you can just not talk to them. Either way, you will probably be fine if you do not file. You may qualify for free or reduced filing fees. You need to visit legal aid in your community and find out if you qualify for their help. Talking with an attorney may be all that you need to do so you can know that your creditors cannot hurt you. Just because you owe money is not always a good reason to file bankruptcy. Do what is best for you and not for your creditors.
Answered on Jul 05th, 2013 at 9:42 AM