I was fed up, totally sick and tired of my creditors harassing me.  So I contacted the number one Detroit Chapter 7 bankruptcy lawyer to help me with my problem.  During my consultation he explained that the process of filing Chapter 7 was very common and not at all complicated.  He is going to take all of my documents and make a list of all of my debts and financial obligations to figure out which ones are dischargeable under Chapter 7.  After the paperwork is filed, all of my creditors will receive written notification that I have begun the process, at which point all of their direct communication with me should cease – no more harassing phone calls, no more letters, no more contact of any kind unless it goes through my lawyer.  Filing for bankruptcy will also give me a chance to start over; I’ve spent the last several years struggling and still not making ends meet.  At this point I’m more than happy to go through a few years of rebuilding to get a chance at a clean slate.  It will be nice to have a quiet house without the harassment as well as not having that enormous debt hanging over my head.