The automatic stay is in effect upon the filing of a bankruptcy. The U. S. Courts glossary defines the automatic stay as: An injunction that automatically stops lawsuits, foreclosures, garnishments, and all collection activity against the debtor the moment a bankruptcy petition is filed.

For more information on bankruptcy protection, review the following information:

http://www.uscourts.gov/aboutfederal-courts/types-cases/bankruptcy-cases

www.uscourts.gov/FederalCourts/Bankruptcy/BankruptcyResources/FilingBankruptcyWithoutAttorney.aspx