Should I file bankruptcy to get creditors off my back?

If creditors are harassing you, bankruptcy is not necessarily the best way to stop them. The whole intent of a collection agency is to work on your conscious by any means necessary. They will employ every tactic they can dream up, while they have you on the phone. Whether it’s making you feel guilty for being in your situation, by telling you that you’re unfit to be an American or that your lazy and a burden on society.

They may also contact your place of employment and hint to your co-workers that you are a bad person. I have heard of instances where collection agencies have suggested that debtors take on menial and demeaning tasks such as scraping gum off of buildings for pennies.

And know matter what they tell you on the phone or how much they threaten, they have already cut your credit score down to your shoe size. So there's not much more they can do. You can't get water from a rock!