Widow in her early 80s living with a disability needs assistance with appropriate debt relief, including but not limited to Chapter 7 bankruptcy. Client has a paid-for home, and she does not own a car. She owes approximately $40K in consumer debt. Client is on a fixed income, and she is judgment-proof. However, she continues to receive multiple daily calls from creditors, and she is having difficulty with stopping the calls. She applied for assistance with a Chapter 7 bankruptcy, but her primary goal is to stop the collection actions.