How is a debtor protected in bankruptcy from the moment of filing?

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When a debtor files for bankruptcy, an automatic stay is put into place that prohibits creditors from taking any collection actions against the debtor without permission from the bankruptcy court. This protection begins immediately upon filing and provides the debtor with some relief from creditor harassment and attempts to collect on debts. A debtor may also go through credit counseling as part of the bankruptcy process, but this is not necessarily a protection provided at the moment of filing. Personal guarantees of loans may also be voided in bankruptcy, but this is determined on a case-by-case basis and is not automatic. Certain transactions may also be considered voidable, but this is a separate concept related to fraudulent transfers and other improper actions taken prior to filing for bankruptcy.

How Is a Debtor Protected in Bankruptcy from the Moment