Virtually all of Debtor's possessions are property of the estate. Create, perfect or enforce a lien. As with judgments, a creditor may not seek to impose a lien on property of the estate. Engage in any collection action. Letters, calls, use of collection agencies, or even sending a routine invoice may be considered collection action and subject to sanction by the court.
Debtor is protected from any and all such action during the pendency of the case.
Engage in setoff. Cross-debt between Debtor and a creditor may not be used to reduce the amount of the bankruptcy debt. The automatic stay is comprehensive and precludes virtually all collection activity by creditors. Any of these actions can result in a finding of contempt against the creditor. The automatic stay applies only to property of the estate.