Once a debtor files bankruptcy, he or she is protected by the automatic stay, which generally prohibits most actions by a creditor to collect a debt. There are limited exceptions to the automatic stay and you should consult an attorney to determine your rights. Actions taken in violation of the automatic stay may subject you to paying damages to the debtor. You can participate in the debtor’s bankruptcy by attending the Meeting of Creditors, filing a proof of claim, and filing appropriate objections.