You have Rights and are protected under bankruptcy law.
Protection from Creditors –is called the “automatic stay”
Once a debtor files a petition for bankruptcy under Chapter 7, a protective restraining order is sent to all creditors and a stay of all debt collections and financial legal proceedings goes into effect. This “automatic stay” is a legal injunction which prevents creditors from pursuing collection on debts, including harassing phone calls and letters. If a creditor intentionally violates the automatic stay, they are subject to penalties that include contempt of court and money damages.