Answer:  There may be reasons for you to file bankruptcy, but it is not necessary to file bankruptcy just to get a debt collector to stop calling.  For example, once you are represented by an attorney and the collector has been informed of the attorney's name and contact information, the debt collector is no longer permitted to contact you by phone or otherwise.  Likewise, you do not have to tolerate continued calls at your place of work.

Not answering your phone is not the answer.  Many debt collectors use "predictive dialers."  If you do not answer the phone, you will just get more calls--a lot more calls.  Put a notepad next to the phone, answer it, and document the calls.  You need to document who called and the nature of the conversation.  If you were subjected to any abuse during the call, write down what was said as specifically as you can remember.  Be polite but firm with the debt collector.  If you need to allocate your money to more pressing bills, tell the debt collector that, but don't elaborate or give the debt collector financial information.  The out-of-state debt collector is rarely your highest priority when you fall on hard financial times.  Don't lose your house while hopelessly trying to keep up with 30% default interest rates on credit cards.  It is rarely a good idea to refinance credit card debt with a home mortgage or home equity loan.