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yes first the bankruptcy code in section 362 which has the discussion of the automatic stay has some carve outs there are some kinds of things that are not stayed for example if there is a proceeding against the debtor under the police authority of the government that typically is not stayed certain things associated with divorce or child custody or child support are not stayed so there are some things that are not stated and certain actions by taxing authorities are not State however the taxing authorities are abound by the automatic stay with a minor exception that is listed but suppose those exceptions are not part of the program the Creditor is all set to conduct a foreclosure sale for example and the debtor files a Chapter 7 bankruptcy petition and theres no equity in the property well you dont see that these days but some years ago there were properties that were way way underwater so certainly the second mortgage holder wouldnt be conducting this foreclosure sale but maybe th