STOP THE MADNESS - DON'T MAKE PROMISES YOU CAN'T KEEP!

 
There are a number of things a person should not do when considering bankruptcy or when bankruptcy is a solution but one you wish to avoid.  The bill collectors are hounding you with a barrage of telephone calls, in many cases they are breaking the law by calling your relatives,  your employer,  calling you very early in the morning,  after  9pm or when you are at work and/or  threatening  to do all kinds of awful things if you do not pay up.  It is understandable that all you can think about is getting them off of your back, at least for a little while.  So what do you do? You promise to make them a payment(s) in the future; knowing there is no way you'll have the money to pay them, short of a miracle.  In some cases people go so far as to sign a new agreement with their creditor.
You then seek the protection of the Bankruptcy Court and the creditor screams foul and seeks to have the debt you owe not be forgiven.  Why? You made a promise to pay and did not keep your promise and because you made the promise the creditor did not take any action to collect on the debt.  If a creditor can show you're promising to pay in the future delayed action to collect the money it was owed, you may well be denied forgiveness of that debt.
Do not make a creditor a promise or enter into an agreement with a creditor if there is any chance that you can not make the payments.  The best thing to do is make no promises of any kind.  If you are being hounded by creditors use the rights given to you under the Fair Debt Collection Practices Act,( which I have written about before) and write your creditors letters telling them to stop calling you, etc.   Remember empty promises can hurt.