A Nationally Recognized Firm
No Fees Unless We Win! Call Us Today!
Automatic Stay Protecting Your Future

What Is an Automatic Stay in Bankruptcy?

Put a Stop to Collection Activities

One of the many benefits that filing for bankruptcy provides to delinquent borrowers is the protection of the automatic stay. This stops creditors from taking any collection actions against a borrower while their bankruptcy case is pending, which saves the borrower not only from harassing phone calls and letters, but also from having lawsuits filed against them. This respite can be particularly helpful if the borrower’s house is at risk of foreclosure.

Our St. Petersburg bankruptcy attorneys can further explain how the automatic stay can help with your unique situation. Our team can work closely with you and explain how to proceed once the automatic stay is in effect.

If you are considering bankruptcy, contact Boss Law today to schedule your free initial consultation.

What Can an Automatic Stay Stop Temporarily?

Although the automatic stay does not offer protection in all circumstances, it can be helpful for many things.

Typically, an automatic stay can temporarily halt collection actions such as the following:

  • Foreclosure actions: If you are behind on your mortgage and risk losing your home, the automatic stay will temporarily halt foreclosure actions.

  • Evictions: Unless your landlord takes up the issue in court, the automatic stay may be able to buy you a few weeks time if you are facing eviction.

  • Utility disconnections: If you are behind on your utility bills, the automatic stay can prevent disconnection of your phone, electric, or water services for at least 20 days.

  • Multiple wage garnishments: Most wage garnishment actions can be stopped once bankruptcy is filed, allowing you to enjoy a full paycheck temporarily.
  • Repossessions: When you file bankruptcy, creditors are prohibited from repossessing your vehicle. If a repossession has already happened, your attorney can help you recover your vehicle before your lender sells it in an auction.
  • All creditor calls: Creditors must stop contacting you to collect any debts once you file for bankruptcy.

Although all of these actions can be affected by an automatic stay, there are certain exemptions to be mindful of.

An automatic stay cannot prevent actions such as:

  • Specific tax proceedings, such as an IRS audit. However, it can still stop seizures of your properties or liens.
  • Child support actions, including lawsuits to collect support.
  • Criminal proceedings

Staunch Legal Advocacy for St. Petersburg, Florida Bankruptcies

If you are considering the benefits of an automatic stay, it is important to work with an attorney with significant experience in debt relief and Florida bankruptcy law. Our St. Petersburg bankruptcy lawyers at Boss Law have been providing effective debt solutions to Florida residents for more than a decade.

You can rely on our team to protect you and guide you through the bankruptcy process. We encourage you to contact our firm today to talk about the best process for you. We can discuss your situation and determine whether Chapter 7 or Chapter 13 is right for you while also providing information about how the automatic stay could affect your case.

Contact Boss Law today to get in touch with our automatic stay attorneys in St. Petersburg.

Credit Report Mistakes

Learn More by Watching the Helpful Videos Below
  • Do creditors settle for less than what I owe?

    Chris Boss explains debt settlement and how much ...

  • What is the difference between bankruptcy and debt settlement?
  • Difference between Chapter 7 and Chapter 13

Our Clients Share Their Story

Hear From the Thousands of People We Have Helped
  • From the first call, Boss Law made me feel empowered.

    “When you are looking for help you may feel out of your depth. It can be very overwhelming. From the first call, Boss Law made me feel empowered. Even though my situation was outside of their practice ...”

    - Nicole H
  • Chris made me feel as if I was talking to a good friend, he made me feel at peace with my situation.

    “I read great reviews online about his honesty and great work so I was eager to talk to him about my case and I'm glad I did! Chris made me feel as if I was talking to a good friend, he made me feel at ...”

    - Dulce H.
  • It a breath of fresh air knowing there is someone who understands the frustrations of dealing with collections...

    “I am currently working with boss legal. So far I spoke with Chris. First off he is very professional. Was willing to answer all my questions and go out of his way to further assist me. He is ...”

    - Salvatore I.
  • They were spectacular in working with me every step of the way.

    “Chris and the team at Boss Law are absolutely top-notch, they provided excellent counsel and guidance to enable me to resolve a fraudulent account and associated lawsuit in under 45 days from first ...”

    - Mark W.
  • Years of experience play a key role in his ability to solve problems quickly and efficiently.

    “Chris is an amazing lawyer that can help with a multitude of items. Chris always treats you with respect and focuses on you and your issues at the present. Years of experience play a key role in his ...”

    - Former Client

Values Our Firm Stand By

Learn Why Clients Choose Boss Law 
  • No Fee Unless We Win!

    Your consultation is free and with an experienced attorney. You don't pay any "out of pocket costs" unless we win!

  • Focused on Your Rights

    If you’re dealing with unfair debt collection practices or creditor harassment, we will fight for your legal rights.

  • We Care

    When you hire with Boss Law, you can rest assure your well-being is our priority. We strive to make the process as stress-free as possible.

  • Experience

    Our attorneys are backed by more than 20 years of combined legal experience and can help you choose the best path for your legal matter.

Contact Boss Law Today

Schedule Your Free Consultation
  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please enter a message.