Creditors are legally prohibited from not only hounding you but also from making any attempts to collect from you while your bankruptcy is pending. The stay is supposed to go into effect as soon as your bankruptcy is filed. This is what is known as an “automatic stay”. It applies to creditors (credit card companies, medical facilities, banks, auto financing companies, and everyone else you owe money to!) and also to their agents like collection agencies, attorneys, goons, etc. Once your bankruptcy is over, the protection from the stay is also over but if your bankruptcy is successful, the creditors have a new reason to leave you alone since your problem is solved and the creditor knows where they stand which in a Chapter 7, is essentially- out of luck.