The filing of a bankruptcy petition automatically stays (stops) most actions, including collections, foreclosures, and repossessions, against the debtor or the debtor’s property.  It is called “automatic” because the stay begins automatically at the time the bankruptcy case is filed with the Clerk’s office.  Once the stay is in place, creditors are prohibited from taking certain actions against a debtor without court permission.  Some creditors, particularly those involved with repossessions or foreclosures, may immediately file pleadings with the court to go forward with foreclosure or repossessions actions.   It is strongly recommended that you consult with a bankruptcy attorney to verify that the automatic stay is applicable to your specific circumstances.