Sometimes collection agencies will do interesting things, like tell you that the debt cannot be discharged in bankruptcy. When they do that, they have violated the Fair Debt Collection Practices Act, and if you are in bankruptcy, they violated the automatic stay. There are remedies that you have for that violation. In fact, you can sue the collection agency for doing that. Bankruptcy judges take this very seriously. The automatic stay is strictly enforced, and if you get a collection agency that does those kind of things, you should let your attorney know immediately.