what are my options if a debt collector violates the automatic stay by freezing my bank account anyway
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
what are my options if a debt collector violates the automatic stay by freezing my bank account anyway
3 real searches · 1 real-search pass
11 U.S.C. 362 automatic stay 362(k) damages bank garnishment bankruptcy official statuteGoogle ↗
OBSERVEDReason
Maryland bankruptcy court automatic stay violation bank garnishment sanctions contempt procedureGoogle ↗
OBSERVEDConsequence
Fourth Circuit automatic stay bank account freeze garnishment bankruptcy creditor notice damagesGoogle ↗
OBSERVEDConsequence
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
11 U.S.C. 362 automatic stay 362(k) damages bank garnishment bankruptcy official statute Google ↗
Maryland bankruptcy court automatic stay violation bank garnishment sanctions contempt procedure Google ↗
Fourth Circuit automatic stay bank account freeze garnishment bankruptcy creditor notice damages Google ↗
- 11 U.S.C. § 362: Automatic stay · uscode.house.gov
- 11 U.S.C. § 362(a)(1). Section 362 also protects a debtor from any act by a creditor “to obtain possession of property of the estate or of property from the estate or to exercise control over property of the estate.” 11 U.S.C. § 362(a)(3). If a creditor violates the automatic stay, § 362(k)(1) provides that an individual debtor who is “injured by any willful violation of [the automatic stay] . . . shall recover actual damages, including costs and attorneys' fees and, in appropriate circumstances · govinfo.gov
- Maryland Court Help Center · mdcourts.gov
- Statewide (or Multi-County) Projects | The United States Bankruptcy Court for the District of Maryland · mdb.uscourts.gov
- Debtor Assistance Project | The United States Bankruptcy Court for the District of Maryland · mdb.uscourts.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
11 U.S.C. 362 automatic stay 362(k) damages bank garnishment bankruptcy official statute OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Maryland bankruptcy court automatic stay violation bank garnishment sanctions contempt procedure OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Fourth Circuit automatic stay bank account freeze garnishment bankruptcy creditor notice damages OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |