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I am supposed to make a payment this week to a creditor but I am going to be filing for BK next month early. I am trying to avoid having the collection agency filing against me in small claims court. I thought if I informed him that I am filing for BK next month, this might keep him from wasting his time and money and help me avoid a judgment. However, I don't know if there is a problem with this or if it could be bad for me legally. Please advise.