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The bankruptcy automatic stay is similar to a statutory injunction invoked upon
filing a petition. The stay is intended to immediately stop creditors from further
collection of debts, including lawsuits progress, foreclosures, garnishments,
correspondence, phone calls, and many other forms of debt collection. Creditors
may request permission to resume collection actions of certain debts by filing a
"motion to lift stay" in limited circumstances. Secured creditors are
usually successful obtaining permission to reposes collateral if
payments remain in arrears in Chapter 7 cases.
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