What steps should be taken when a creditor breaks the automatic stay?
the BK Trustee should be notified that property has been seized by the creditor. Property cannot be repossesed while the BK stay is in effect. Usually a creditor has not violated the stay, but simply did not receive the BK notice before initiating the action. In which case the property is returned and no repossesion or attempt for collection can be implemented, until BK proceedings are finished. If the court finds the stay was violated willfullly it may take action (such as a fine) against the creditor.