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There's no such thing as "Debtor's Prison" anymore. In your great great grandfather's time, if you failed to pay your bills, you might have gone to jail. Fortunately, the United States corrected that mistake. We all run into bumps in the road – medical bills, loss of jobs, divorce, unexpected anything. It's part of life. As U.S. citizens, we have the absolute right to our "fresh start" in life. There's no shame in it, and we should claim that right if we need to. Now, your credit card lenders are going to tell you differently; they're going to heap on lots of shame. Don't listen. They get hefty interest on your purchases and they certainly aren't broke! You must be careful not to charge up a bunch of debt in the months before your bankruptcy filing, or the credit card companies may be allowed to pursue you for that debt after the bankruptcy is filed, but you certainly don't have to take any hassle from them over the phone or through the mail. Once you file bankruptcy, all creditor calls must STOP. They are violating Federal law if they continue to contact you. So, if you've hit a bump, hold your head up high and give Absolute Best Document Preparers a call. We will help you feel better. And, let's face it, life's too short to feel shame – let's all feel better.