Does Bankruptcy stop the phone calls and all immediate collection actions?
Yes. Filing bankruptcy instantly invokes United States Code Title 11362 the Automatic Stay. The automatic stay stops most debt collectors straight away. If creditors do call you, refer them to your attorney and give them no further information. Do not tell them that you have filed bankruptcy, just simply give them your attorney’s name and number. An important EXCEPTION exists. In some cases, such as an eviction action for unlawful detainer, a landlord may still be able to evict you from your dwelling. Do not ever rely on the automatic stay for purposes of real property eviction. 5. Can Bankruptcy halt a foreclosure? Yes. Foreclosures are initially stopped by filing bankruptcy. However, if you filed another bankruptcy case within the last two years and the court lifted the stay in that proceeding and allowed the lender to proceed with the foreclosure, then the stay will not apply. In other words, the law doesn’t allow you to prevent a foreclosure by repeatedly filing bankruptcies. Impor
