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The moment a petition, either voluntary or involuntary, is file for bankruptcy, an automatic stay, or suspension, of virtually all actions by creditors against the debtor of the debtor's property normally goes into effect. In other words, once a petition has been filed, creditors cannot contact the debtor by phone or mail or start any legal proceedings to recover debts or to repossess property. A secured creditor or other party in interest, however, may petition the bankruptcy court for relief from the automatic stay. The adequate protection doctorine, protects secured creditors from losing their security as a result of the automatic stay.

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