Mahaffey & Associates, LLC
Call For A Free Consultation 888-422-6894
Email Us

What can bankruptcy’s automatic stay protect you against?

Tired of fielding phone calls from creditors demanding that you immediately pay up? Filing for bankruptcy could potentially give you the break you desire. How? Once you file for bankruptcy, something called the “automatic stay” period takes effect. While temporary, it can prevent creditors from continuing to contact you for a set time, giving you a chance to figure out your financial affairs.

While the length of the automatic stay period can vary, most people who file for Chapter 7 bankruptcy find that it lasts somewhere in the ballpark of 90 to 120 days. During this time, the automatic stay can protect you against not only creditor harassment, but also:

Wage garnishments

Currently losing a noticeable portion of your earnings to wage garnishment? Once the automatic stay takes effect, your creditor can no longer attempt to collect on your debt, effectively putting an end to the wage garnishment.


Bankruptcy’s automatic stay may also help you guard your home against foreclosure. If your creditor has already begun to foreclose on your home, it must stop doing so while the automatic stay remains in effect. Note, though, that if you do not keep up with your mortgage payments, your creditor could potentially file a request to have the stay lifted.

Utility shut-offs

If you have ever had a utility company threaten to disconnect your services, you may understand all too well how anxiety-inducing this can be. Your utility service providers may not shut off your services while your bankruptcy case is ongoing, but they may be able to demand you give them a deposit.

While the automatic stay period can potentially give you some time to get your head above water, it does not free you from all financial obligations. You will still, for example, need to pay child support despite filing for bankruptcy, provided you have such an arrangement in place.

No Comments

Leave a comment
Comment Information
Tell Us About Your Legal Need

Tell Us About Your Problem

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy

A Full Service Firm For Northwest Ohio with Three Convenient Locations 24/7 Phones And Appointments Taken at 888-422-6894

Sylvania Office
8527 Central Avenue
Sylvania, OH 43560

Toll Free: 888-422-6894
Phone: 419-829-2255
Sylvania Law Office Map

Northwood Office
3200 Woodville Road
Northwood, OH 43619

Toll Free: 888-422-6894
Phone: 419-693-5515
Northwood Law Office Map

Toledo Office
3131 Executive Parkway, Suite 100
Toledo, OH 43606

Toll Free: 888-422-6894
Phone: 419-472-5555
Toledo Law Office Map