Will bankruptcy stop my creditors from calling me, sending me letters, harassing me, garnisheeing my wages, and taking me to court?

A. The automatic stay provisions of the Bankruptcy Code require an immediate stop to any and all collection efforts by your creditors once your bankruptcy has been filed, although it sometimes takes a while for creditors to get the message. Since your dischargeable debts are actually discharged as of the date your bankruptcy is filed, a few more letters or bills to you on debts you no longer owe generally does little harm. Eventually, all the letters, bills and calls will stop.