Kathleen filed for voluntary bankruptcy and the automatic stay went into effect.The automatic stay:

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The automatic stay is a provision in bankruptcy law that stops creditors from taking any action to collect, assess, or recover a claim against the debtor that arose before they filed for bankruptcy. It does not discharge the debtor's debts automatically, nor does it stop secured creditors from taking action. It also stops creditors from filing lawsuits against the debtor, unless they obtain permission from the bankruptcy court first.

Kathleen Filed for Voluntary Bankruptcy and the Automatic Stay Went