Bankruptcy gives clients instant relief in the form of a thing called the “Automatic Stay”. This is a court order that goes out to all creditors after a bankruptcy filing and it makes it illegal for any creditor to make any attempt to collect on almost any typical consumer debt. Creditors can get in BIG trouble for violating the automatic stay and so such violations are very rare. During your case, creditors attempting to collect on debts cannot call clients, write them, sue them, garnish their wages or bank accounts, or foreclose or repossess any property without first getting the court’s permission.
At the end of the successful bankruptcy case, debtors receive a discharge of their debts. This means that the federal court has ruled that no creditor can ever collect on these debts again.
So, in a nutshell, a bankruptcy case means instant relief and a fresh financial start.