Chapter 13
The Automatic Stay
As soon as your case is filed, a temporary bankruptcy court injunction known as the “automatic stay“ comes into effect. The automatic stay stops all of your creditors, including the IRS, from debt collection. Your creditors cannot call or write to you demanding payment. They cannot start or continue any lawsuits against you, and foreclosures and repossessions are, at least temporarily, stopped.
After your Chapter 13 case is filed, on rare instances, a creditor may contact you more than once. If this happens, make a short memo of who contacted you, what was said, and when the conversation occurred. Mail a copy of your memo along with your full name and case number to our law firm and we will handle it from there.