Filing for Bankruptcy...Need some Advice Please!

Hi!
Welcome to the forums!
As soon as you file bankruptcy, creditors are forbidden from making collection calls to the bankruptcy petitioner without taking a prior permission from the court. This is called automatic stay.

Bankruptcy process -

Go through credit counseling and obtain a certificate
Go through finance management course
Go through the means test
File bankruptcy with the court clerk
Pay the fees, fill out and submit the required documents
Attend the creditors meeting
Non-exempt assets sold
The recovered money given to the creditors
Bankruptcy discharged

Check out the following pages to know the other answers to your query:
http://www.debtconsolidationcare.com/bankruptcy.html
http://www.debtconsolidationcare.com/chapter-7-bankruptcy.html

The automatic stay gives protection to the person filing bankruptcy from his creditors. This is subject to the oversight of the bankruptcy judge. The automatic stay prohibits the creditors from beginning or continuing any law suits, repossessions, collection calls, foreclosure sales or garnishments.

If you cannot pay your bills now, close your bank account NOW and open a new one. Are your payday loans even legal? List them and the state you live in.