I file chapter 7 and chapter 13 cases for individuals, couples and small businesses with the hope of alleviating credit card debt, medical bills, stopping lawsuits, stopping wage garnishments and bank levies, stopping foreclosure proceedings and otherwise providing a fresh financial start. Most people have to deal with debt in their financial lives and bankruptcy offers a chance not to have to deal with it.
Receiving a discharge in a bankruptcy case means that your creditors can never pursue you for the debts, with certain limited exceptions, that you owed on the date that you filed bankruptcy, even if your financial fortunes improve in the future.
The filing of a bankruptcy case creates an automatic restraining order that prevents creditors from calling you to collect a debt, suing you, garnishing your wages, attaching your bank accounts or placing liens on your property. When you file bankruptcy all of your creditors are notified of the bankruptcy filing and must immediately stop any collection activities.