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my name is Nick gibbehhhhh bankruptcy attorney here in Whittier California in this video Id like to answer a question that comes up in a number of different guises from people who call me exploring the idea of filing for bankruptcy protection these people when they pose the question or either facing a lawsuit or theyve already been sued in the creditor has a judgment against them does that mean its too late can you file for bankruptcy protection after the creditors already suit you the answer is yes you can and you can get rid of that debt even if the creditor got a judgment against you now if the creditor is currently suing you then if you file for bankruptcy protection that lawsuit comes to a screeching halt and the reason for that is the Bankruptcy Code has a provision that says upon filing for bankruptcy protection just the act of filing the papers triggers a stay you dont have to do anything else so its called the automatic stay now a stay in law says stop whatever state has