When someone owes money to a creditor, the creditor may start calling and sending letters to try to get the money back. Sometimes, the creditor may call very often and use threatening or scary words to try to get the money back. This can be very stressful and scary for the person who owes the money. It is important to never give out any of your personal or financial information to creditors when they call.
When someone files for bankruptcy, a special rule called the "automatic stay" goes into effect. This rule tells the creditors that they have to stop all collection activity, including phone calls and letters, right away. This means that they should not contact the person who filed for bankruptcy, and they should not try to collect the money that is owed to them.
The automatic stay is like a big stop sign that tells the creditors they have to stop trying to collect the money. This can be a big relief for the person who filed for bankruptcy, because they can have some peace and quiet from the constant phone calls and letters.
However, it's important to note that some types of debts are not covered by the automatic stay, such as child support or certain tax debts. The Law Offices of Brown and Seelye can help explain the specific details of the automatic stay and how it applies to your situation.