When you file for bankruptcy, a protection called the “automatic stay” immediately stops any lawsuit filed against you and virtually all other actions by a creditor or collection agency.

The following are examples of how the automatic stay can help a debtor:

1. If the mortgage on your home is in foreclosure, the automatic stay temporarily stops the proceedings.

2. If your landlord has started eviction proceedings, you may gain valuable time.

3. If you are behind on a utility payment, the automatic stay will prevent disconnection for water, electric or telephone service.

4. In some instances, the automatic stay can prevent suspension of driver’s license.

5. The automatic stay will stop wage attachments immediately.

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