Even if you are just about to file bankruptcy, or even if your debt already has been discharged, there still are creditors who will pursue claims as far as possible. No matter what, always make your finances a matter of protecting your family, interests, and conscience.
Many large companies actually have in-house collections, because they do no want to pay the fees associated with traditional collections. Such companies tend to be fairly responsive to bankruptcy warnings and even may offer a quick negotiation to eliminate your debt.
If your account has been listed with an external collector, on the other hand, it is likely that your debt has been increased dramatically by the costs and fees of collection. The collection agents want their money, period. If you file for bankruptcy, it usually will take one full week for your creditors to be notified, and then they must stop harassing you.
When told that someone will be filing bankruptcy, most collection agencies will act as though they do not care, but they do. Most collection agencies work off a script, and some even may lie to collect their money. You might hear that your debt is not dischargeable or that they have an attorney who will fight the listing of the debt. For the most part, this simply is a game of nerves.
Just because you receive a letter from a lawyer regarding a particular debt does not mean that the lawyer is involved personally. Usually, such letters come from a paralegal or secretary who works for the attorney, and unless it is a very large debt, most lawyers do not actually go to court. If a law office does secure judgment on your debt, that judgment is just as dischargeable after bankruptcy as it was before the judgment. Because so many people actually file bankruptcy for fear of being sued, this topic is addressed in another debthelp.com article.
http://www.debthelp.com/kc/89-creditor-strategies-collect-after-bankruptcy.html
