What are the benefits of filing bankruptcy, and when do those benefits start?

The benefits start automatically the instant the case is filed electronically. Bankruptcies will stop the filing or continuation of lawsuits, harassing phone calls, garnishments, foreclosures, and repossessions instantly as a matter of law.
We usually file cases on the same day that you first come in if:
1) you have all the information we need,
2) you understand your options and are clear about what you want to do,
3) your situation is one in which a bankruptcy will help you, and
4) you have the filing fees needed to file the case (that depends on the kind of case you
are filing, and you’ll need to ask about it)