Bankruptcy shithead here, and no I can't help you (for plenty of reasons including but not limited to lack of willingness.)
You can file others into bankruptcy; otherwise you wouldn't be able to take them to a bankruptcy court. Why bankruptcy instead of civil? Because bankruptcy court is potentially scarier than civil court.
Obviously, you need a BANKRUPTCY lawyer. You probably also need a civil lawyer on top of this; you can go with one guy doing both but don't expect him to be an expert at both. Protip: this is a fight, don't bring some 30-year-old who pretends to do everything.>>18160236
If a collection agency considers this approach worth doing, then OP can probably afford a lawyer. US Bankruptcy doesn't do much good for creditors if the debtor only has basic family shit. It's not a 'need vs want' issue, a hell of a lot is protected from the auction block in US.
There's a matter of shit being protected, and then there's a matter of shit not being worth the trustee's time. If OP is not running a private business of his own or working a high-quality job then I would certainly hate to represent the creditors here.
Short version: go straight to a bankruptcy lawyer, consultation about $250 and representation about $2500~7500 depending on how serious the other side is. Beware of unusually high or low prices, shop around. If a bankruptcy case is being thrust onto you then this is a fight, so fight back and fight serious.
Caveat: the entire thing might be a scam, figure that out first. We ain't psychics, same as every other thread involving legal drama.