It is amazing how relentlessly some creditors and debt collection agencies can be, and how little they care about your particular situation when they are trying to collect a debt. It doesn't matter if you have lost a job, lost a loved one, had medical problems or any other life crisis...the telephone calls do not seem to stop.
When you file a bankruptcy, an automatic stay is placed in effect to protect you. That means that there is a federal law in place at that point that will stop the telephone calls
. If a creditor continues to contact you after the bankruptcy is filed, then you can ask the court to strongly sanction that creditor.
You do not have to put up with bullies.