In most cases, once you file your case, the Automatic Stay immediately goes into effect automatically, hence the name.
It is one of the most powerful protections afforded by the bankruptcy laws, and can pack a powerful punch if creditors
It means that a bankruptcy filing automatically stops, or stays, and brings to a halt most lawsuits,
repossessions, foreclosures, evictions (limited protection), garnishments, attachments, utility shut offs, and debt collection
Generally, creditors cannot take any further action against you or your property without permission
from the Bankruptcy Court or following specific exceptions.
The Stay is not automatic in all cases for people
who are repeat filers, or the stay may not be permanent without further court action.