Once your case is filed, the Automatic Stay is triggered which means all collection activities have to cease. These include phone calls, lawsuits, garnishments, set-offs, repossessions, and foreclosure actions. How do these creditors receive notice of your bankruptcy? The Court sends your creditors notice from the Creditor Matrix on your petition. This may take several weeks. Therefore, you should arm yourself with your bankruptcy case number and give the information to your creditors, especially if there is a threat of repossession before they get notice.