Two people filing jointly for Chapter 7 bankruptcy are entitled to equal protection under federal bankruptcy laws -- including the automatic stay. Married couples and individuals are eligible for Chapter 7; unmarried individuals cannot file jointly. The automatic stay is a major reason why some couples file for bankruptcy. The stay is a legal injunction signed by a judge and is granted to everyone filing for bankruptcy. The stay immediately halts lawsuits and all debt collection, including bank and wage garnishment. Short Wait People filing...