One of the many advantages of filing bankruptcy is that, when your case is filed, you are afforded the protection of the Federal Laws regarding bankruptcy.  The best and most well known provision is the “automatic stay”.  When your case is filed, your creditors are not allowed to contact you or try to collect the debt—they are automatically stopped from these acts.  I like to think of it as they have their arms tied behind their backs.  This gives you a time to breathe, regroup, and get your ducks in a row while your attorney, the trustee and the Judge look at your financial situation and find a solution with your help.