“When clients come into my office to discuss bankruptcy, one of the first things they tell me is they’re tired of creditors calling them on a daily basis or harassing them. The moment we seek bankruptcy protection and file the petition, you will get a case number, which will then also create an automatic stay under the bankruptcy code. From that time, the moment a case number is issued, no creditors are allowed to call or harass you, and they are “at-stay” until the bankruptcy relief is lifted.”
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