If any of your creditors has filed a legal action against you (garnishment, warrant in debt or other lawsuit), a Chapter 7 or Chapter 13 will put an end to all of these. Under the bankruptcy laws, once your bankruptcy case has been filed, all these legal actions will be stopped. Once your case has been filed, we will immediately notify all courts where any of these cases are pending. We will also make sure that all garnishment funds being held will be returned to you, and that you will not need to appear in court for any of these cases.