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at the risk of sounding like im making a pun its a judgment call when you file for bankruptcy protection if there is a lawsuit pending against you that lawsuit will be stayed and thats because whenever you file a bankruptcy case the act of filing the petition triggers a stay you dont have to do anything else so its called the automatic stay in law by the way a state is saying stop whatever state has to stop immediately so in this case what state or stopped is all action by creditors against you as a person against your possessions against the bankruptcy estate thats created excuse me when you file the papers in practical terms it means they cant call you on the telephone send your bills write your letters sue you garnish wages seize money out of bank accounts and if theyre doing any of these things they have to come to a halt so if it looks like the kind of debt that were talking about here is of the dischargeable variety then out of a courtesy to the creditor you might want t
