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

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The automatic stay is a powerful protection provided to debtors when they file for bankruptcy. It stops any and all acts to collect, assess, or recover a claim against the debtor that arose before the filing of the bankruptcy petition. This means that creditors cannot take any action against the debtor, such as filing a lawsuit or garnishing their wages, until the bankruptcy case is resolved. However, it does not automatically discharge the debtor's debts.

Kathleen Filed for Voluntary Bankruptcy and the Automatic Stay Went