The commencement of a Bankruptcy creates what is called an "Automatic Stay". The Stay prohibits Creditors from taking actions that the Creditor would normally take when trying to enforce its rights, such as calling the Debtor, sending the Debtor demand letters, attempting to repossess collateral, using an ignition interrupter or GPS on a financed motor vehicle or suing the Debtor.
All of these actions are among those that are prohibited by the Automatic Stay. Instead, certain Creditors may take the opportunity to ask the Bankruptcy Court for relief from the Automatic Stay. Attorney Tom Reilly has represented both commercial and consumer Creditors and frequently seeks relief form the Automatic Stay.