Will bankruptcy stop collection calls and other creditor actions?

Yes, filing for bankruptcy can put an immediate stop to most creditor actions, including collection calls, lawsuits, wage garnishments, and bank levies. This is because when you file for bankruptcy, an automatic stay goes into effect that prevents most creditors from continuing to pursue collection activities against you.

However, there are some types of debts and creditor actions that may not be affected by the automatic stay. For example, child support and alimony obligations are not typically dischargeable in bankruptcy, and the automatic stay may not prevent certain actions by government agencies, such as the IRS.

It is important to work with a bankruptcy attorney who can help you understand the full extent of the automatic stay and how it may apply to your specific situation. Your attorney can also help you take steps to enforce the automatic stay if a creditor continues to pursue collection activities after you file for bankruptcy.

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