How can I get my creditors to stop harassing me? October 12, 2012 10:02 pm Published by admin When you do anything formal with a trustee, either filing for bankruptcy or a Consumer Proposal, there is an automatic “Stay of Proceedings” which means that no creditor can begin or continue any action against you. Practically this means that any garnishments are removed instantly, any judgments against your property or your income are stopped. However, this does not apply to Secured creditors (those that have attached their debt to so assets like a house or a car) Under the terms of their security generally if you do not pay them, they have the right to take your assets that they have attached. Recent Posts Bankruptcy Discharge Handbook The Great Deferral – Effects of Covid-19 on Personal and Business Bankruptcy Covid19 – Debt Crisis – Help Available. Covid19 Pending Debt Crisis: Don’t Panic – But Use the Down Time Wisely. Personal Budgets in 2020