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The Automatic Stay: What is it?

Achieve the relief you need by filing for bankruptcy!

Among the many benefits of filing for bankruptcy, the automatic stay stands out as one of the most substantial.

The moment you file for either Chapter 7 or Chapter 13 bankruptcy, the automatic stay goes into effect and prevents any further creditor action against you, including:

Because every bankruptcy case is different, you may have questions about how the automatic stay will impact your particular circumstances. Fortunately, you have come to the right place. The lawyers at Smith Ortiz, P.C. have over 25 years of experience and are solely devoted to bankruptcy law. We would be honored to address your concerns during this challenging time!

Schedule your free consultation with our team of attorneys in Chicago today.

How does the automatic stay affect foreclosure?

For many individuals threatened with foreclosure, bankruptcy is the natural course of action. This is because the automatic stay immediately halts the foreclosure process and allows debtors to find a way to potentially save their home. In Chapter 13 bankruptcy, it is possible to pay off arrearages in your mortgage over a three-to-five-year period.

Because creditors and lenders do have the ability to proceed with foreclosure actions after a certain length of time, it is important that you establish a plan to save your home quickly. Our firm can review your case and point you toward the most viable solution. We are committed to helping you avoid foreclosure.

Take Action with Our Chicago Lawyer

We understand how overwhelming it is when faced with unpaid bills, foreclosure, and creditor harassment. Our firm is on your side and is prepared to work tirelessly to achieve the most favorable outcome on your behalf.

The sooner you call, the sooner you can take advantage of the automatic stay. Find out how Smith Ortiz, P.C. can assist you by getting in touch with us today.

Our Past Clients Share Their Stories

  • “Muchas gracias por sus servicios!”


  • “El trabajo fue excelente y la comunicación con los abogados y los asistentes perfecta.”


  • “If you're looking for a great bankruptcy attorney, this is your firm.”


  • “The process was fast thanks to Ted and Jennifer.”


  • “You all are the best lawyers in Illinois.”

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  • “Thanks to you guys I did not lose my house and you always there for me from the start to the end.”


  • “Thank you!”

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  • “Do not hesitate to use them for your bankruptcy issues.”


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