"I was going to file bankruptcy, but they already sued me. I guess I'm out of luck. It's too late."

Generally, you can file bankruptcy at any time - even after you have been sued, even after someone has taken a judgment against you. The Bankruptcy Code's "automatic stay" provision stops lawsuits, repossessions, foreclosures, garnishments, bank account attachments, and, among other things, harassing phone calls. Your creditors are to stop collection activities against you (with a few exceptions). Often, you can recover funds that have been garnished or vehicles that have been repossessed. Just because a lawsuit has been filed or a judgment has been taken against you, that does not make your debts non-dischargeable; if it was dischargeable before you were sued, then it's usually dischargeable afterwards too.

If you have questions or need to stop collection activities against you, feel free to contact me by phone/text at 901.857.1558 or by email at jvaughan@comcast.net (even if you've already been sued).