Jon Ginter was recently featured on Cleveland.com.
The stay, provided for under Title 11 United States Code §362, takes effect immediately and automatically upon the filing of your case.
This means a creditor is precluded from stating that it did not know about your bankruptcy filing, and using this excuse to justify continuing collection actions against you.
Whether an individual creditor knows of your filing or not, they are not empowered to collect from you personally once you have filed.
If you hire me, notify me immediately if any creditor takes any collection action against you after your case is filed.
I will protect your rights.