Generally, you are protected immediately when the case is filed with the court.  Upon filing, the “automatic stay” prohibits all collection efforts including foreclosure, repossession and related legal proceedings including lawsuits and garnishments.  Any creditor who intentionally violates this Court ordered “automatic stay” may be liable to the debtor for damages.  Please note that not all lawsuits are stopped by filing including criminal proceedings and actions for the collection of alimony, maintenance, or support.