The second you file your bankruptcy case, you are protected by a legal wall which prevents any collection activity from any creditors. This wall is called the automatic stay and it applies in every case no matter your circumstances. You do need to meet bankruptcy eligibility requirements in order to file a case and to be sure the automatic stay can apply. A skilled bankruptcy attorney can determine your eligibility and which type of bankruptcy, usually Chapter 7 or Chapter 13, you should file. If you are having your wages garnished or your bank account was levied, any funds taken within 90 days before the filing of your case may be recovered. Silveira Law Offices will make sure you can claim any funds that you are entitled to.