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The automatic stay gives the debtor protection from his creditors, subject to the oversight of the bankruptcy judge, and brings all of the debtor's assets and creditors into the same forum, the bankruptcy court, where the rights of all concerned can be balanced.
The automatic stay prohibits
Your husband's income should not be subject to your creditors, unless the debt is a joint one between the both of you. However, the creditors could garnish your wages, but to do so, they would have to get judgments against you first. It will take about 30-60 days for a creditor to get a judgment against you, so that will get you to the first of July. Therefore, you'd only be looking at a few months before the filing. Also, a creditor cannot garnish but 25% of your income. If more than one creditor gets a judgment against you, they have to wait in line - only one garnishment at a time is allowed.
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