New to the group

Hello All,

Thank you for having this group! It's comforting to know that I'm
not alone in my situation.

I'm 30 years old, married, and way in over my head in debt. My
husband is a musician who gets paid mostly cash, but this year has
been VERY slow for him. All but one of my bills are on only my
name. I had been working 3 jobs to keep up with the bills, but in
October I quit 2 jobs and only kept my full-time job which doesn't
pay all the bills. So, now I've quit paying the creditors and will
meet with a lawyer next week to file individual Chapter 7 (that's
what I'm planning anyway).

My question is this: I had been up to date on all bills until Nov 1
when I quit paying. The creditors have started calling me at work.
Luckily, I work for a small company and have a wonderful boss. She
gets on the phone and tells them not to call me at work (blah blah
blah...), but they are still calling. Isn't there a law where once
you've told them not to call you at work they have to stop?
Or does that only apply to you once you've retained a lawyer?

Also, those of you here who have filed Ch. 7 already, would you mind
sharing with me your story of the "aftermath". Do you have trouble
in certain situations, or is it still better than the stress you
felt spending all your income on bills instead of food and clothing,
and having some fun every now and then?

Thank you all again!

Laura
(in Louisiana)