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If you file bankruptcy now, any legal proceeding against you will be stopped for the time being due to the automatic stay. It will protect you until you receive a discharge from your debts, or until your creditor obtains a relief from the stay. You can contact a bankruptcy attorney and take his opinion in this matter.

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It is true that your creditors can't take legal steps against you when you file bankruptcy. However, it is not a wise move to do so. This is because bankruptcy drops your credit score by around 200 - 250 points. Moreover, it is quite a costly affair. So, if you're sued by a credit card company, you can consult a lawyer to deal with the summons. The lawyer can help you settle the debts out of court. Thereby you can save the legal fees.