Stop Garnishments & Creditor Harassment
One of the most powerful aspects of filing a bankruptcy case (either Chapter 7 or Chapter 13), is that, the moment your case is filed, you are under the protection of what is called the Automatic Stay https://www.law.cornell.edu/uscode/text/11/362. The Automatic Stay instantly forces all of your creditors to stop any debt collection activity against you. Whether your wages are being garnished, your vehicle is about to be repossessed, or your house is about to be foreclosed, the Automatic Stay forces your creditors to stop in their tracks. Creditors are forbidden from contacting you once the Automatic Stay is in effect.