A person who files for bankruptcy will still be responsible for any future debts, such as rent, utility bills and medical bills. So if you do not have health insurance or car insurance, you should not declare bankruptcy unless absolutely necessary. You should only file for bankruptcy to protect an asset such as your salary, house or bank account. A. One of your options is to write a letter to your creditor demanding that they cease all telephone contacts. Sometimes it's easiest just to get a new unlisted phone number.
Abusive phone calls from collectors are illegal.
Q. I cannot pay my bills. Creditors can sue you if you do not pay your bills. If they win in court they can put a lien on your house, attach your bank account and garnish your wages. You cannot be put in jail for not paying your debts unless the debts are for unpaid child support and bad checks. Yes, if you are totally and permanently disabled.