{"id":3231,"date":"2019-11-28T09:10:00","date_gmt":"2019-11-28T09:10:00","guid":{"rendered":"https:\/\/phoenixfreshstartbankruptcy.com\/?p=3231"},"modified":"2022-04-29T05:54:13","modified_gmt":"2022-04-29T05:54:13","slug":"bankruptcy-automatic-stay","status":"publish","type":"post","link":"https:\/\/phoenixfreshstartbankruptcy.com\/bankruptcy-automatic-stay\/","title":{"rendered":"Bankruptcy Automatic Stay in Arizona"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;--awb-margin-top:0px;--awb-margin-bottom:0px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-1\"><p>An automatic stay is an injunction triggered by certain bankruptcy filings. The different types of bankruptcy that put it in place are Chapters 7, 11, and 13. Once it is in effect, debtors are protected from being hounded by creditors and other collection agencies. This means that all debt collection activities must be halted once the automatic stay is in place. Creditors should no longer:<\/p>\n<ul>\n<li>Call you or send you correspondence with the purpose of collecting payment.<\/li>\n<li>File or maintain a collection lawsuit.<\/li>\n<li>Get the court to order your employer to garnish your wages.<\/li>\n<li>File a lien.<\/li>\n<\/ul>\n<p>It\u2019s understandable how the automatic stay is an important motivator for somebody to file for bankruptcy. With the protection it offers, a debtor can get some rest from persistent debt collection efforts as well as a chance to think more clearly so he or she can make plans for putting his or her financial affairs in order. The bankruptcy process also includes the all-important debt discharge that affords the filer a fresh start.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1227.2px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:15px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:15px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-2\"><h2><span class=\"ez-toc-section\" id=\"Effects_of_the_Automatic_Stay\"><\/span>Effects of the Automatic Stay<span class=\"ez-toc-section-end\"><\/span><\/h2><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-6628e6ef1c668\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6628e6ef1c668\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/bankruptcy-automatic-stay\/#Effects_of_the_Automatic_Stay\" title=\"Effects of the Automatic Stay\">Effects of the Automatic Stay<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/bankruptcy-automatic-stay\/#Automatic_Stay_against_Foreclosure\" title=\"Automatic Stay against Foreclosure\">Automatic Stay against Foreclosure<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/bankruptcy-automatic-stay\/#Unaffected_by_the_Automatic_Stay\" title=\"Unaffected by the Automatic Stay\">Unaffected by the Automatic Stay<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>Unpaid debt could lead to various unpleasant situations, including disconnection of services, foreclosure, repossession, and even job loss in case of a wage garnishment order. With disconnection of basic services, such as utilities, the automatic stay can prevent it for 20 days. The same is true for wage garnishment, as long as it\u2019s not for high priority financial obligations like child support or alimony. It can also temporarily halt foreclosure or eviction. Take note, however, that, when it comes to evictions, the automatic stay doesn\u2019t apply if:<\/p>\n<ul>\n<li>Your landlord has already secured a judgment of possession in your eviction case.<\/li>\n<li>Your landlord has filed claims against you of property endangerment or the use of controlled substances.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Automatic_Stay_against_Foreclosure\"><\/span>Automatic Stay against Foreclosure<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The extent of the automatic stay\u2019s influence on foreclosure depends on the bankruptcy chapter you filed under. Both Chapters 7 and 13 trigger an automatic stay, but Chapter 13\u2019s is the better protection against foreclosure. This type of bankruptcy also provides more tools for you to be able to hold on to your home. A Chapter 7 automatic stay doesn\u2019t have much power in stopping a foreclosure unless you get your creditor to officially agree on a debt repayment plan or another kind of debt settlement arrangement.<\/p>\n<\/div><div class=\"fusion-text fusion-text-3\"><h2><span class=\"ez-toc-section\" id=\"Unaffected_by_the_Automatic_Stay\"><\/span>Unaffected by the Automatic Stay<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>There are bankruptcy cases wherein the automatic stay is lifted or does not apply. For instance, there are debts that are non-dischargeable. Find out which scenarios cause the automatic stay to be lifted or ineffectual if you\u2019re filing for bankruptcy. Arizona bankruptcy lawyers can tell you in what ways the automatic stay may not be able to protect you, so it\u2019s best to consult one before filing bankruptcy. Here are some examples.<\/p>\n<p>Despite an automatic stay, you\u2019re still open to a collection lawsuit against you in relation to collecting, establishing, or modifying alimony or child support.<\/p>\n<ul>\n<li>The IRS may still audit you and demand a tax return, even if it can\u2019t issue a tax lien or seize property because of the automatic stay.<\/li>\n<li>You\u2019ll still have to go through criminal proceedings even with a debt-related case; the criminal part will simply be separated from the debt repayment part.<\/li>\n<li>You\u2019re still required to repay loans from most job-related pensions. Failure to repay said loans may lead to a portion of your paycheck being withheld.<\/li>\n<\/ul>\n<\/div><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-two\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:44;line-height:1.05;\">Do You Want Bankruptcy Protection? Consult an Arizona Bankruptcy Attorney Today!<\/h2><\/div><div class=\"fusion-text fusion-text-4\"><p><a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/best-phoenix-bankruptcy-attorneys\/bankruptcy-filing-basics\/\" target=\"_blank\" rel=\"noopener noreferrer\">Bankruptcies <\/a>offer different benefits. If you want to know what kind of protection a bankruptcy filing will get you, discuss this with an Arizona bankruptcy lawyer. When it comes to any serious financial problems, it\u2019s best to approach a bankruptcy law attorney so you can be accordingly guided toward the best debt relief option for your situation. For legal advice on bankruptcy matters, call us at Phoenix Fresh Start Bankruptcy Attorneys and schedule a consultation with one of our experienced bankruptcy lawyers.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":3235,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"_links":{"self":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/3231"}],"collection":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/comments?post=3231"}],"version-history":[{"count":4,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/3231\/revisions"}],"predecessor-version":[{"id":3825,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/3231\/revisions\/3825"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/media\/3235"}],"wp:attachment":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/media?parent=3231"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/categories?post=3231"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/tags?post=3231"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}