As soon as your bankruptcy case is filed, an “automatic stay” kicks in which is an order prohibiting creditors from bothering you until the bankruptcy is over, by which time they won’t even care about you anymore if your bankruptcy goes through successfully. The automatic stay tells your creditors “legally, you can’t touch me right now”. While in theory, the stay kicks in the second your case is filed, in reality it will take time for creditors to receive notification, process it through their system and get the message that they must leave you alone. If they are calling or sending you bills, this can be annoying. If your wages are being garnished or you are being taken to court, actual notification of the stay becomes urgent and your attorney should take immediate measures. If you are being a sued, your wages are being garnished, or you have creditors who won’t get off your back, O’Connor Cadiz law may be able to help. We are in Schaumburg and Itasca, filing bankruptcy cases throughout Chicago. Give us a call to find out if bankruptcy is a good option for you.