First, you should definitely see a qualified bankruptcy attorney for more information. My office would be happy to speak with you and we are Ct bankruptcy attorneys. Secondly, you should become acquainted with the FDCPA. This is federal law which governs the manner in which debt collectors may communicate with you. There is a high learning curve. Basicly the calls you recieve cannot be harassing, vulgar, oppressive, threatening, illegal, etc. If they call you before 8 am or after 9 pm these are also violations. There are many many more ways to violate the law. If the debt collector does violate the law, you are entitled to a penalty of 1,000.00 dollars plus your attorney fees. We help many people put an end to these obnoxious calls and help people settle their debts this way. Bankruptcy may also be inevitable, but there is no reason you can not use both.
While the Legal Aid response may be technically correct, it's up to you and your wife to say if filing bankruptcy would be "worth it". I've had clients in similar situations to yours who felt it was definitely worth it to stop the creditor actions for good. Please contact a qualified bankruptcy attorney in your area and discuss this with him/her.