If they wish to communicate with you, they must do so through your attorney or through the court. Harassment by creditors may cease once your case has been filed. 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 debts and collection proceedings have already marked you as a bad credit risk. Surprisingly, sometimes a bankruptcy actually improves the person's credit because bankruptcy will remove most lawsuits, most collection agencies, most past due unsecured debts, 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 debt.
In short, bankruptcy may not ruin your opportunity to obtain future credit. Bankruptcy is not a matter that should be taken lightly, and should not necessarily be used if other and better alternatives are available. A bankruptcy professional can help you determine what options may be available to you, and how best to protect and enhance your future credit, should you choose to file bankruptcy. This automatic stay on collections will even apply to child support arrearage, to IRS, and to state and federal government, for a period of time. The bankruptcy automatic stay is effective immediately upon your filing bankruptcy.