got a message text on cell phone with my name dont know this # so texted back no response back yet!

Also received a text message from this number. The sender knew my first name. I am currently preparing to file for bankruptcy and there is a chance it is some type of bill collector trying to verify if my cell phone number is still assigned to me. I responded to the text, but got no reply.

It's probably that Yahoo messenger spam people have been reporting.  They text "hi, (your name)" then when you ask who they are they text back that you have to add them on Yahoo messenger if you want to find out, then they come up with the excuse that their battery is down.  
A lot of people are saying they don't get an answer back when they text.  I think it is automated and possibly overloaded.  They probably have a bot crawling Facebook and places like that looking for first names and phone numbers or it may be an app that lifts your information.  
My son thinks they want to hack your Yahoo account but I guess they could just want to spam you on messenger.  At the very least they are collecting names and cell phone numbers and trying to link them with an email address.  What would someone pay for that list?  If they ever text their Yahoo ID to you, report it to Yahoo abuse, if it hasn't already been banned.

I got a text from this number as "hello (my name here)??", I responded yes and asked who it was, but no response as of yet.

The exact same thing happened to me, got a text saying "Hello (my name)" on November 6, 2012. Responded but go no response at all. The area code is from northern California, I do not know anyone in that  area. I reside in Texas as well.