How can I get my creditors to stop harassing me?

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.