The filing of a bankruptcy petition operates as a(n) ______, which prevents creditors from taking action, such as filing suits or foreclosure actions, against the debtor.13

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The Automatic Stay is a feature of the bankruptcy process that prevents creditors from taking any collection actions against the debtor. This means that once a bankruptcy petition is filed, all collection activity against the debtor must stop, including foreclosures, repossessions, lawsuits, and wage garnishments. This stay gives the debtor some breathing room to reorganize their finances or assets under the protection of the court.

The Filing of a Bankruptcy Petition Operates as A(n) ______