24 Hour Toll Free Help

Automatic Stay


An automatic stay provides the debtor protection against the creditor's efforts at foreclosure, collection calls, repossessions, garnishments or levies, starting or continuing lawsuits, and harassment or any other collection efforts.

An automatic stay also allows the debtor to establish a plan of reorganization or repayment. Exceptions to an automatic stay do exist (Bankr. Code 362(b)) and should be discussed with a bankruptcy lawyer. An automatic stay occurs as soon as the Bankruptcy Petition is filed and does not require a bankruptcy hearing.

  • The automatic stay will remain in effect until the debtor gets a discharge, the judge removes the stay at the request of the debtor or the property is not part of the debtor's estate.

An automatic stay may only provide temporary relief for the debtor. Under Chapter 7 Bankruptcy the stay may stop immediate foreclosure for certain types of debts secured by real estate, but after 45 days a creditor collecting debt for secured by property can request that the court remove the automatic stay and allow the foreclosure to proceed.


More Help on Automatic Stay

  • Bankruptcy Petition - The bankruptcy petition is an official form filed by the person who wants to begin the Bankruptcy process. - read more

  • Creditor - Creditors can include businesses, individuals, organizations or the United State\'s government who is owed money for services or products provided to a second party in return for payment. - read more

  • Motion to Lift Automatic Stay - Lifting the automatic stay also allows creditors to proceed with debt collections for liabilities which are not protected by filing for bankruptcy protection. - read more

  • What is the Motion for Relief from Stay? - It means creditors are asking the court to lift the restraining order against them from collecting on unpaid bills so they may continue with whatever course of action they were pursuing before the bankruptcy was filed. - read more

Chapter 7 and Chapter 13 Bankruptcy Help

The two most common consumer bankruptcies are Chapter 7 and Chapter 13, our sponsoring lawyers handle these types exclusively so you can be sure you are getting accurate legal advice when you file bankruptcy. Our Bankruptcy attorneys will fight to protect your rights and your property, fight the aggressive and annoying creditors for you, and they can help you keep your home, vehicles and other property.

A lawyer will be committed to getting you debt relief and providing you with valuable information, services and advice to get you a better financial future. There are many convenient locations to make filing bankruptcy or learning about the alternatives we offer, even easier.

Get Help Now

Recent Bankruptcy Articles

  • Home Equity and Bankruptcy
    If you have equity on your house, then it is possible to use that equity in order to pay off your Chapter 13 bankruptcy at a much faster pace.
    - read more

  • Fair Credit Reporting Act
    The primary purpose of the Fair Credit Reporting Act is to ensure fairness and accuracy of credit reporting, and that the procedures followed are reasonable.
    - read more

  • Most Common Reasons for Bankruptcy
    A list of ten most common reasons people usually file for bankruptcy, including harassment from creditors and to end wage garnishments.
    - read more

  • Student Loans and Bankruptcy
    According to new changes, your student loan will only be discharged if the bankruptcy court is convinced that paying back the loan would bring about undue hardships for you or the people who are dependent on you.
    - read more