A bankruptcy creditor's case is generally no better today, than it will be six months from today -- because unless the creditor has special rights (e.g. IRS, child support, alimony, property taxes, sales tax, etc.), then the creditor has no case at all, from the instant that you file the bankruptcy petition.
I think perhaps you don't understand that filing bankruptcy totally and completely wipes out your debts, except for collateral.
Credit card: wiped out completely -- principal, interest, penalties, everything.
Auto loan: wiped out if you give up the car to the creditor
House: wiped out if you give up the house to the creditor.
Income taxes: wiped out if more than 3 years old.
The list goes on, but you should get the idea.