§362(a)—When the automatic stay operates.  Filing a b/r pet will stop the following actions
a.    1.  commencement or continuation of a collection action.
b.    2.  Enforcement of a judgment.  (This will stop garnishment)
c.    3.  Action to obtain property from estate.
d.    4.  Any action to create, perfect, or enforce any lien against property of the estate.
e.    5.  Any act to enforce a lien against prop of the debtor, to the extent that such lien arose b/4 commencement of action.  (This will prevent garage from enforcing lien on car for example and LL from evicting you.)
f.    6.  Any act to collect, assess, or recover a claim that arose b/4 commencement
g.    7.  Any act to setoff claim
h.    8.  The commencement or continuation of a proceeding b/4 the US Tax Court concerning the debtor.