I am 36 and living with my parents. They provide me with free room and board. I moved out of my apartment, without mgt's approval, and moved into their home. My questions are: 1) I'd like to walk-away from all my debts, no matter the results to my credit rating. Can I file for Chapter 11, or 13, or whatever and just be done with my thirty-thousand dollar debt? 2) Can debt collectors harrass or threaten me when filing for bankruptcy?
I live in Texas, and the folks are willing to support me for the foreseeable future. Like the next ten years or so. But I'm wondering about the law, and where I stand on the ability to simply say, "I can't pay all my debts."??
Thank you for your time!