My question involves bankruptcy in the state of: Oregon

My wife and I are in the hole $41,000 in credit card debt, have no income, we don't qualify for unemployment supposedly, and have depleted are savings to almost zero, and our cars are kaput. If there be a true example of flat ass broke then we is it.

I talked to a credit card company and said I will be filing for bankruptcy and have nothing left so they are wasting their time by calling my family, home, friends, neighbors, and old employers.

They said they will file a judgement and it will prevent me from filing bankruptcy and I will have to pay their court costs and attorney fees.