Silence, it really is one of the sweetest sounds I’ve ever heard.  Almost immediately after filing for bankruptcy, my creditors and bill collectors have finally stopped calling. No more playing Hide and Seek with the bill collectors.  I’m sure it wasn’t by choice, some of them really seemed to enjoy badgering me for money that I didn’t have, but by law, once you’ve filed for bankruptcy they can’t call you directly anymore.  I swear it was every single evening; I was getting calls from one collection agency after another –each one more harassing than the one before it.  These people apparently don’t even take weekends off; in fact I think I got more calls on the weekends than I did during the week.  I couldn’t pay them, I just didn’t have the money, it would have been like trying to squeeze blood from a stone.  I’m sure a lot of it was probably my own fault, making stupid purchases and grossly mismanaging my money but nobody deserves to be treated like that.  I know my financial future is going to be a bit hazy for the next few years, but it will definitely be worth it to have my debts taken care of and to have those vultures off of my back.