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I have been a client of a creditor for 12 years and have never missed a monthly payment until now. I now owe the creditor for February and March. I filed for Chapter 7 Bankruptcy on February 27, 2012. Am I correct to assume that the creditor does not have the right to deny me services based on the missed February payment? The creditor is not a secured creditor, taxing authority, or student loan company, but just a regular unsecured creditor. If they do deny me services, isn't that a violation of an automatic stay? Am I correct to assume that my obligations to pay, based on the date of my filiing begin with the March 2012 payment?