Which is precisely WHY I asked for change. I'll wait a moment for you to catch up.

Notice the word "MAY"----that doesn't change the fact that people HIRE attorneys to deal with creditors FOR them and to assist them in manuvering through the labrynth of complicated bankruptcy laws. And it is against the law for creditors to contact, ask for payment, harass, etc. a debtor after the services of an attorney is retained.