People who file for bankruptcy often enjoy the benefit of the automatic stay. This legal mechanism restricts creditors by not allowing them to take action against a debtor unless the creditor receives permisssion from the bankruptcy court. 

The automatic stay is intended to give a debtor the time and ability to renegotiate his or her debt. However, in some circumstances, creditors can receive a special grant from the court, which allows them to collect debt payments. 

If you or anyone you know is considering filing for bankruptcy, contact the Arizona bankruptcy attorneys of the Harmon Law Office at 480-829-0494.