Legal Question in Bankruptcy in Maryland

Re: Creditor rights

The automatic stay commences upon filing the bankruptcy

case. You need to file a proof of claim against this filing.

Unless you otherwise collect before the filing, the stay will preclude

you from effecting your judgment. And, without a proof of claim (and

assets in the estate to settle it), the judgment may be discharged through

the bankruptcy. There are exceptions.

An attorney may be helpful.

Re: Creditor rights

The automatic stay commences upon filing a voluntary bankruptcy petition. Unless the bankruptcy case is dismissed (for misconduct, abuse, or ineligibility, or for failure to confirm or complete a plan if a Chap. 11 or 13), or unless an order denying a discharge is entered (for misconduct) or your claim is nondischargeable (either if you prove in bankruptcy court that the claim arose out of fraud, defalcation in a fiduciary capacity, theft, or willful and malicious injury) you will not be able to collect outside of bankuptcy. You may be able to file a proof of claim if there are assets in the bankruptcy estate or if the case is under chap. 11 or 13.