Yes, automatic stay is like the oxygen mask. It can give enough breath to the debtor to recover the debt. It is important for you to get the proper solution to solve the problems of debt. It is most crucial task for you to solve the debt problems by getting the enough breath and get the benefits. You must have to solve the problems using the automatic stay and get recovery of debt. You need to get time to solve the problems. It is essential for you to solve the debt using the stay from the federal bankruptcy court under chapter 7 or 13.
I would like know what types of chapter needs to protect me from the bankruptcy?
I have consulted number of people to get the details about the bankruptcy. You needs to refer the various chapter in the website to get details about the federal law. There are various types of chapters defined for the different purpose. In the general case the bankruptcy file under the chapter 7 and for companies you get to refer the companies and partnership funds. Chapter 12 for farmer while chapter 13 for the repayment. You must have to file proper repayment cases as per the terms. In general individual needs to file the bankruptcy under the chapter 7.
Robson 
