You are under bankruptcy protection when and after your petition is filed by a member of the Clerk's office and a case number is assigned.  The moment a petition is filed there exists an automatic stay, or suspension, of virtually all litigation and other action by creditors against the debtor or the debtor's property.  In other words, once a petition has been filed, creditors cannot commence or continue most legal actions, such as foreclosure of liens, execution on judgments, trials, (garnishments), or any action to repossess property in the hands of the debtor. Creditors can, however, seek to have the court allow them to pursue or continue legal collection actions.