You would think they'd go away eventually, but when your credit card company sells your debt to a debt collection agency, they can be relentless. They'll call your family members, and even embarrass you at your work. You might try to change your phone number and other details, but they'll still find you.
Needing to constantly screen your calls can be exhausting. It can also be anxiety-producing to know that so many people are trying to get at what very little money you have. They might threaten to file a lawsuit, which you're worried that you can't afford to defend, or they might threaten to garnish your wages. It just doesn't stop; that is, not until you file for bankruptcy. Regardless if Chapter 13 bankruptcy or Chapter 7 bankruptcy are more appropriate for your situation, as soon as you file, you'll get protection from creditor harassment by way of an "automatic stay."
Here's how it works: Filing for bankruptcy effectively renders your old debt obsolete and uncollectible. Creditors are legally obligated to wait and see how your debt is transformed via the bankruptcy process, and they can only receive payment for whatever portion they will receive by the bankruptcy court. In fact, if creditors continue to harass you and your family members after your bankruptcy is approved, you can seek legal action against them. In most cases, creditors abide by the bankruptcy rules and they will not harass you anymore.
At the King County Law Office of Ruth Nelson, we have helped countless people in your situation. There's nothing better for us to see one of our clients use bankruptcy to get relief from a mountain of debt that's been plaguing them for years.