filing a Chapter 7, the debtor is immediately afforded the protection
of the “automatic stay” provided by Section 362 of the Bankruptcy
Code. The primary purpose of the automatic stay is to protect the
debtor and the debtor's property, including wages, bank accounts,
personal property; and real property such as the debtor's residence.
The automatic stay stops all collection efforts by creditors, such as
wage and bank garnishments. It also prohibits creditors
from calling debtors, filing lawsuits against debtors and
continuing to send collection letters. The automatic stay lasts for
the duration of the case, which is typically 90 days.