Oklahoma Chapter 7 Bankruptcy Law Firm  

What happens after the bankruptcy petition is filed?
The first thing that happens is that the automatic stay takes effect. Under the automatic stay it will be a violation of federal law for a creditor to continue to try to collect from you. All law suits, garnishments, collection letters, phone calls or any other attempts to pursue remedies should stop. If they continue they could face sanctions from the bankruptcy court. All attempts to collect will have to first go through the bankruptcy court. The creditor will have to petition the court for permission to continue collection efforts. Typically this happens only with secured debt for which your payments have become delinquent. The creditor for such a debt can ask the court's permission to continue the process to repossess the property secured by the debt. The court will most likely grant the request if you have stopped paying.