Once you have filed your Chapter 13, creditors are not allowed to contact you. If they wish to communicate with you, they must do so through your attorney or through the Court. A common concern of persons considering bankruptcy is the effect a bankruptcy will have on their credit. Often that is not an important factor, because the unpaid proceedings have already marked you as a bad credit risk. Surprisingly, sometimes a bankruptcy may actually improve a person's credit because bankruptcy will remove most lawsuits, most collection agencies, most past due unsecured debt, and it can allow restructuring of secured debts, and non-dischargeable debts such as past due Child support and taxes.
Future creditors are most concerned about a person's capability to repay any future debts.
In short, bankruptcy may not ruin your opportunity to obtain future credit. Keep in mind, your case is unique and a particular creditor may or may not offer you credit as a result of your bankruptcy filing. The attorneys will discuss this issue with you at your consultation. If you are considering bankruptcy, you need a professional. You need someone understanding, experienced, non-judgmental, and most importantly, someone who can help quickly.