Under Bankruptcy law a Court order called a stay goes into effect when you first file a Chapter 7 or 13.   This temporary court order stops foreclosures, attachments, garnishments, and creditors calling you.  

You will have a 341 court hearing within about 4 to 6 weeks after filing bankruptcy.  If you properly complete all the required procedures under the law, the court will issues a "discharge" which is the permanent court order.  

This final and permanent court order makes any future collection illegal and punishable as contempt of court with the right to collect damages and attorney fees.   The discharge court order however does not normally get rid of a security interest such as a car lien or mortgage and if payments are not up to date after the court discharges the case a creditor may still foreclose or repossess under the law without violating the court order.  Often the creditor may seek to foreclosure or repossess prior to discharge by filing a motion to terminate the court stay if payments are not made on secured debts. 

If you have questions on Covington Kentucky Bankrupcy Courts or law download our manual and powerpoints that explain Kentucky bankruptcy law and how to properly file bankruptcy with the Western Division Louisville Kentucky bankrupcy court.