When you retain our office to file for bankruptcy, you can inform your creditors that you have hired us and to cease and desist from contacting you. Better yet, one of the benefits of filing for bankruptcy is the automatic stay. Once you file for bankruptcy, an automatic stay is put into effect. This halts most collection efforts, including lawsuits, wage garnishments, and phone calls from creditors. The automatic stay can provide you with peace of mind and time to regroup.