The Automatic Stay explained.

Under 11 USC § 362, the filing of a bankruptcy case under any chapter of the bankruptcy code triggers an injunction against the continuance of any action by any creditor against the debtor or the debtor’s property, meaning the creditor may not call, collect, contact, or sue the debtor to collect any debt.  Once the debtor receives a discharge, the automatic stay is replaced by a permanent injunction prohibiting creditors from all of the collection actions which the stay prohibited.  Creditors may repossess secured collateral as allowed by state law, but may not take any collection actions against the debtor for any deficiency balance owed.