Some people can survive under the pressures of missed bill payments and rude debt collectors. There are federal and state laws, including in Pennsylvania, that protect individuals from excessive harassment and unethical collection tactics. However, one type of event often motivates a consumer into taking action. It's a lawsuit filed by the creditor demanding payment, interests, penalties, and sometimes legal fees. The prospect of being sued and commanded to come into court often creates a compelling reason for a pressured debtor to file bankruptcy.htm">bankruptcy much more easily.