How often are debt collectors going to need their payments?
Brad Weil: Well, that’s a beautiful thing about bankruptcy. When you file a bankruptcy of any type -7, 11 or 13 – the filing of the bankruptcy stops all legal action against you and your property. So, the filing of the bankruptcy actually stops the debt collection activity. They cannot call you, they cannot send you a bill, they can’t do anything. If your wages are being garnished, the filing of the bankruptcy stops the garnishment.